BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX//2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX//2016 when I could not get either entity to follow Federal regulations.

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 2017-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We overpaid our credit card by {$20000.00} to capital one and have requested reimbursement for the overpayment on two separate occasions, starting 4 weeks ago. Each time we have been guaranteed that we would be issued a check for the overpaid credit balance within two weeks of request. We are now going on the third request for those funds to be repaid to us. According to the truth in lending act, it is my understanding that a credit card must issue a refund for overpayment of credit card within 7 days of the initial request. We are now on at least day 28 and refund has not been issued. Tonight was my third time of trying to resolve this issue and the process has started all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
1. Loan service company has failed to adjust the loan at the time of debt reduction court ordered see doc 338.

2. loan service company failed to correct payment amount to match new agreement in XXXX see loan history statement. 
3. loan service company failed in XXXX to apply 2 payments that were in compliance with the new agreement. 
4. XXXX loan service company purchased forced placed insurance on the property while the property was under a federal stay. The service should of ask the court for the insurance it was on file in the federal bankruptcy court 5. Loan service company adds escrow account for insurance on the loan without a petition to the court and then added the debt to the balance to the loan. this is a violation of the law FDCPA and Bankruptcy code.

6. Loan service company has now added the discharged debt of the loan to the payoff trying to collect a discharged debt. see Exhibit XXXX Notice

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 2021-07-01
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX in XXXX of XXXX to cancel my services and end my account with them. Im XXXX XXXX military and also provided them with copies of my XXXX Orders in order to effectively terminate my contract early. Up until XXXX of XXXX I received emails about my outstanding balance. All while Im XXXX multiple times and attempting to resolve this. On XX/XX/XXXX, I contacted XXXX and communicated with them about the charges. The representative stated that I paid off the balance that was due in XXXX of XXXX and had a {$0.00} balance following. This is the same month I disconnected my service. In XXXX of XXXX, I receive an email from XXXX stating that my service has been disconnected. In XXXX of XXXX I received an email stating that I had a overdue balance of {$270.00} after services have already been disconnected. In XXXX of XXXX I received an email stating that my account has been disconnected, effective date XX/XX/XXXX, with a balance of {$250.00}, as well as another email on the same date saying my bill is overdue of {$270.00}. XX/XX/XXXX I received another email stating that my overdue bill is now {$740.00}, to include an {$300.00} ETF ( early termination fee ). XXXX of XXXX, a collection account is the reported to my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Old information reappears or never goes away

Complaint:
For 10 years, all the bureaus have mixed, mingled, and crossed my info with someone who shares my DOB and a similar name! I have disputed, spent hours calling and verifying who I am. Which is an absolute challenge because mine and the other partys identifiers are crossed too! What is the point in you all monitoring my report, if you are the ones creating the problem? This is bound to have its long term repercussions on me and you if this isnt correct soon. Its not identity theft because she isnt using my social and the police wont allow me to file a report Without some proof. Im beyond livid! This is going to mess with my retirement in the future and no one cares when I talk to them. They think Im trying to get out of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX. for verification. Over 30 days later on XX/XX/XXXX XXXX. recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX & XX/XX/XXXX, XXXX & XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to purchase a tablet online and the seller asked to use XXXX for the transfer. I had never used XXXX previously but saw it on my Bank ( USAA ) website and trusted it. The seller asked to send the money to XXXX account XXXX XXXX XXXX. I sent {$300.00} to XXXX and in turn was provided with a tracking number ( XXXX ) for a shipping company called XXXX  XXXX XXXX. All this information was passed between my phone number and the sellers phone number ( XXXX ) XXXX. 
After waiting a few days the package never arrived and now the seller is asking for more money. After telling them I am not sending more money they have stopped contacting me. Also, after further research, it appears that XXXX XXXX XXXX is a fake website an company used by these scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiry is fraudulent according to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, Portfolio Recovery Associates has added two derogatory marks on my credit reports per XXXX XXXX and XXXX. Upon, further research these accounts was sold or transfers and I no longer responsible for accounts. Debt collector did not verify these accounts. Also, there was no written contract and original signature with these debts at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Portfolio Recovery Associates, LLC has violated my rights as a consumer and I am requesting legal actions to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently have a loan with NewRez. On XX/XX/2020, I applied to refinance my mortgage with XXXX.. Over the course of the past six months, I have provided documents within 24 hours of them being requested. When I have repeatedly emailed or called asking why my refinance has not been completed, I don't get a response from NewRez. One time I got through to a person connected to my existing loan and she told me it should have taken 2-3 months. Since that time, I have provided one more paystub and the closing date has been put off several morel times while my new paystub is " pending review. '' Last weekend, I went online to look up reviews on XXXX and I saw that there are many people in my situation getting the same run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pay pal credit says I owe them money and turned it over to a collector. I do not have a pay pal credit card nor did I ever sign up for XXXX. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX  ( TU ) Names : XXXX ( TU ) Address : XXXX XXXX XXXXXXXX ( TU XXXX XXXX ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX   ) Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$59.00} ( TU, XXXX, XXXX ) XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC 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 2019-03-06
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX is reporting non payment to XXXX XXXX  in the amount or {$160.00} since XX/XX/15 and apppears on Credit Report as OPEN for collection. 
At that time XXXX reported to me that no payment was due.

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 2018-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

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 2023-02-18
Company: EQUIFAX, INC.
State: LA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account please investigate the unverifiable account : XXXX XXXX XXXX XXXX : {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX will accept new business on any day of the year and calculate initial billing according to the start of service date. However, when customers transfer service to other providers, XXXX has a 'sore loser ' practice of overbilling exiting customers on their final bill and a practice of refusing to make corrections to the bill. Their practice is to bill exiting customers for an entire month of service no matter what day of the billing cycle the customer cancels service. This can not be legal for them to bill exiting customers for products or services they do not provide. For instance, if I cancel my service with XXXX 5 days into the new billing cycle then I should fairly be billed for those 5 days on my final bill. However, their practice is to charge outgoing customers for a full 30 day billing cycle no matter the day of cancellation and invoice all sorts of inaccuracies on the final bill. Apparently, there is such a huge volume of mobile service accounts that become collection issues that the major credit bureaus very freely accept anything the major mobile service providers report as no burden of proof is placed on them to show what products or services the reported balances are for. I have disputed their false charges several times and they simply need to send any of the major credit bureaus a one page - one line bill that reads 'charges ... .... $ xxx.xx ' and the credit bureaus deem it valid. I'm sure the major credit bureaus are not out for accuracy either because they're doing well from these false, unethical billing practices used by the major mobile service providers. There needs to be a consumer protection intervention because accuracy and ethics have gotten swallowed up by the mountain of mobile service transactions in commerce and consumers are getting trampled by sloppy, inaccurate and egregious billing practices. I really hope someone takes time to look into the magnitude of this problem. Thanks for any help you can provide!

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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My identity was stolen and theyre was checking accounts opened in my name at JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now Im unable to open a real legit bank account for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2021 I tried to access equifax.com because of possible fraud alert from my employer. The website rejected my attempt to create a new account because supposedly I have an account already established. Using my current email address I requested a new password, and I entered the access code they sent to my current mobile phone. Despite several careful tries the site repeatedly denied access because my info didn't match their records. 

Then I called their customer service, went through all the menus to get to the get-help-other, including giving my name, DOB, SSN, and phone #. This just got me to another automated message which said my info didn't match, and it hung up on me. Second try again didn't allow any way to request to speak with a live person. 

Next I returned to the website to try to email customer service, but this kept booting me back to the FAQ page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GLAis continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Syncb/Care Credit aka Ge Capital Credit aka Synchrony Bank, account number ending in XXXX On XX/XX/XXXX Syncb/C.C. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and Synch/C.C. for verification. Over 30 days later on XX/XX/XXXX Syncb/C.C. recalls ownership of the account from XXXX. Then on XX/XX/XXXX Syncb/C.C. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.

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 2023-07-10
Company: EQUIFAX, INC.
State: PA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: TD BANK US HOLDING COMPANY
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:
the following accounts that appear on my credit report are not mine and are hurting me Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

9. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

11. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

12. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I tried to transfer my funds from PNC bank to my new XXXX XXXX  account. XXXX uses XXXX to link bank accounts, but PNC blocked the transfer, even after multiple attempts.

Company response to consumer: Closed with explanation