BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was an eviction filed against me on XX/XX/XXXX by XXXX XXXX XXXX. I appeared in court to answer the claim and agreed the debt was legitimate however, I was not in a financial position to pay at the time due to my employer cutting my hours, less leaving me unable to maintain the cost of my residence. I agreed to vacate and did so by XX/XX/XXXX. A judgment was filed against me on XX/XX/XXXX by XXXX XXXX XXXX. In that frame of time, Rent Recovery Solutions contacted me to obtain payment as the debt collectors representing XXXX XXXX XXXX. At that time while speaking to the Rent Recovery representative she erroneously notated my account stating that I said I was in bankruptcy. I have never in my life been in bankruptcy. Unfortunately, I have tried for the past 2 years to explain that was an error on Rent Recovery behalf and that I would like to pay my debt owed so there is no unpaid judgment on my credit report. They have refused every time I have called to speak with someone to obtain a letter of validation of debt and discuss payment options. They state every time, their unable to discuss my account any further and I need to have a legal representative call to discuss my case. I have asked for them to send validation of debt to show an attorney, they still refuse to send any information to me. I recently called Rent Recovery Solutions on XX/XX/XXXX and the representative stated that I need to have a bankruptcy lawyer call them and provide proof of no bankruptcy. That just doesnt make any sense. If Ive never nor am I in bankruptcy why would I have a bankruptcy lawyer call? I have been trying for 2 years to pay this debt so that I can apply for a new residence but unfortunately this discrepancy is hindering me from living independently. I just want to pay my debt owed and receive a written proof of payment. I shouldnt have to suffer because someone from their office made an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions 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:
Experican refuses to remove the duplicate accounts on my credit report from XXXX XXXX XXXX after being provided proof of duplication.

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 2023-09-05
Company: DISCOVER BANK
State: CA
Product: Credit 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/2023, I booked a reservation with 'HotelTicuan.com ' for a trip to XXXX, XXXX. I used my Discover credit card ( ending in XXXX ) linked to my XXXX account to make the payment. However, on XX/XX/2023, I had to cancel the reservation, but the hotel didn't respond to my cancellation request. 

To resolve this, I opened a dispute with XXXX for a refund. Regrettably, XXXX closed the case in my favor but refunded only a partial amount of {$140.00} XXXX pesos to my Discover card. The correct refund should have been {$140.00} USD, not XXXX pesos. 

Despite my efforts to rectify the issue with XXXX, they have refused to correct it. Consequently, I escalated the matter to Discover. Unfortunately, Discover also closed the case in the merchant 's favor, leaving me without a resolution. 

I provided all the necessary information for the dispute and canceled the reservation within the stipulated timeframe. This situation should have been straightforward to resolve, but I find myself caught in a frustrating predicament.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: Specialized Loan Servicing Holdings LLC
State: DC
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:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX Re : Disputing errors on credit report Dear Specialized Loan Servicing LLC : I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX consumer reports : Dispute Account Number or other information to identify account : Source of dispute information : Specialized Loan Servicing LLC ( SLS ) Type of disputed information : Six ( 6 ) alleged late mortgage payments Dates associated with item being disputed : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX Explanation of item being disputed : The status of my account is not correct. The credit reports show that I am delinquent, but I have made all of my payments on time. Please see enclosed : ( a ) my transaction history from my SLS website profile that shows my on-time payments for XXXX XX/XX/XXXX ; ( b ) my recent correspondence to SLS ; and ( c ) proof of my XX/XX/XXXX payment to SLS, which I paid not because I was delinquent but because I was trying to avoid the current, inaccurate credit reporting dilemma facing me now. 

I respectfully request that Specialized Loan Servicing LLC remove and correct the erroneous late payments from my report. 

Thank you for your assistance. 

Enclosures

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 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my credit card balance off by the due date ( a scheduled auto debited by credit card company - Bank of America ), and they charged me interest stating that since the auto debit did not post on the bank 's side before XXXXXXXX XXXX, I am being charged interest. Complete scam. I paid on time and should not be hit with interest due to a system limitation and error on the bank 's side.

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 2021-11-17
Company: Experian Information Solutions Inc.
State: VA
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:
All three agencies are tortiously interfering with my financial matters. 

I have requested corrections via CFPB and directly to XXXX ; Experian and XXXX All three refuse to send me hard copies of my reports, and Electronic access to them. 

Further, there are significant life safety issues which have been over proven to all three, that they refuse to comply with, leaving me at high risk of serious injury or death. 

Additionally, they all refuse to Add legittimate credit Records, and bluntly admit that their business model is for the benefit of " XXXX XXXX lendors '' and not consumers '' I am absolutely furious. 

Even just this morning, I received an email from Experian advising that a dispute was ready to View, but when I logged in to their link, they refuse to give me access and demand the very same ID documenti I have sent them no less than XXXX times. 

Your lack of authority over them and their XXXX defiance is infuriating. 

I demand the above be rectified immediately and punitive action to be taken. I am spending similar communications to the FTC ; DOJ and AG XXXX XXXX Office directly.

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 2018-08-03
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed an inquiry that was falsely made by Consumer Portfolio Services. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Consumer Portfolio Services to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I checked my credit score, and I found out there are three new accounts opened with my known. I called three credit card companies ( Discover Card # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) and asked for the address & phone number. 

I figured out it was my separated husband ( he lives in California, and I live in Texas ). I reported three companies with all evidence of card expenses in Texas so they could see that I did not open and use the credit card. But it looks like they don't take it seriously, and they told me that I should probably pay all credit card expenses. I asked him to divorce, and we submitted the joint petition for summary dissolution application in XXXX. 

Please help me with what I should do. 

I will attach the documents I did not open using those three credit cards. Also, attach the joint petition for summary dissolution application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXXXXXXBalance {$3900.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a brochure offering no annual fee if using the application and code provided in flight. I entered this and was still charged {$99.00}. Reached out to the company and was denied on XX/XX/21 and received a follow up letter saying there was nothing they could do. Attaching the brochure I was provided.

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 2023-02-01
Company: EQUIFAX, INC.
State: FL
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:
Equifax has violated my rights as a human being by giving out my personal information and also, by me not giving Equifax a written consent to furnish any accounts. 

According to Law 15 USC 1681, Equifax has violated my rights numerous of times. I am a natural living person and I demand the listed accounts below to be removed : ACCOUNTS : XXXX XXXX XXXX- {$8400.00} XXXXXXXX XXXX {$880.00} XXXX XXXX- {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 

1. BARCLAYS BANK DELAWARE XXXX Opened XXXX. XXXX, XXXX Balance {$2600.00} ; 2. BARCLAYS BANK DELAWARE XXXX Opened XX/XX/2015 Balance {$1500.00} ;

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 2021-11-17
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

ALLY FINANCIAL XXXX Balance Owed : {$6700.00}

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 2022-10-19
Company: Bread Financial Holdings, Inc.
State: NY
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 XXXX  account was hacked and I was kicked out. They charged multiple gift certificates and XXXXXXXX XXXX on my XXXX, XXXX debit/credit card and work credit card. 
I have XXXX XXXX XXXX and they have found loan applications and credit card applications. Comenity Capital, XXXX XXXX, XXXX XXXX, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Grain Technology, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company is reporting late to my credit report however their app to make payments have been down/ not working for months. It does not allow you to change your banking information. The customer service phone number do not allow you to talk to a live representative and their email support never respond. There are numerous of other people going through the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not Treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Santander Consumer USA Holdings Inc.
State: MN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These items is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ; CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been a customer of Chase Bank for over 25 years. On XX/XX/XXXX I inboxed XXXX XXXX on craigslist regarding a XXXX XXXX  she was selling for {$700.00}. XXXX stated she just order the XXXX from XXXX and it will be delivered on XX/XX/XXXX, due to high demand, the XXXX was first come/first serve, and we had to make payment to secure we received the item which was XX/XX/XXXX. I XXXX XXXX XXXX {$700.00} on XX/XX/XXXX transactions # XXXX on I attempted to contact XXXX on XXXX to follow up with deliver, I got no response, I called from 15 different numbers and still no response. I contacted XXXX on XX/XX/XXXX this the day we were supposed to receive the XXXX, and the number didnt work, at this point, I knew I got Scammed, I immediately called my Bank Chase and reported a claim. After speaking with several Supervisors I was told, they would recovery my claim for {$700.00}. I received a letter from Chase on XX/XX/XXXX Stated we Agreed that the claim was rejected. I never Agreed to Anything, the letter chase provided is not true, I was told Chase could not recover the funds. I Never received a code chase provides to confirm transactions and I never agreed. I was scammed {$700.00} for a XXXX that was never received. I reported the scam on XXXX and the FBI report. XXXX XXXX bank Declined the one time courtesy request from chase. XXXX XXXX  XXXX is XXXX Bank and I need help from CFPB to help recovery my funds. XXXX needs to be shut down and Chase needs to refund my money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is a fraudulent charge on my debit card from XXXX for {$950.00} on XX/XX/XXXX in Arizona. I called Regions Bank to have the transaction disputed. The claim keeps getting denied because they say it was a contactless authorized purchase. The card has never left my possession. I dont use e-wallets or have recurring charges on this account. All purchases on this account have only been made in Florida, specifically in XXXX and XXXX. There are no out-of-state charges on this account and I have not traveled out of Florida since the pandemic XXXX in XXXX. 
The bank can not give me any information on the TMII. They can not tell me what was purchased, or if a pin or signature was used. They told me they could not give me the information they used to determine this case. 
You can not escalate the call for any additional help. They can not give out information on corporate address, manager/supervisor names, departments, or even the phone numbers they are transferring you to before you get disconnected. 
I did not make this purchase. I want my money credited to my account.

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 2023-10-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 account number XXXX XXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation