BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was charged for a service I did not receive in the amount of {$560.00}. I requested service from a mechanic company and they failed to provide it on 2 occasions. Even having failed to provide me the service they still charged me. I attempted to resolve it with the merchant and they refused. I disputed the charge with my credit card company and they required me to send a number of documents by specific deadlines with specific guidelines. The last deadline was for XX/XX/XXXX. Even though I met all of these guidelines the credit card company still charged me for what I didn't receive and did not chargeback the merchant like I was promised. I spoke with many different agents on the phone and they said that even though I provided all that they required that it was not sufficient enough. I have written documentation of what they required of me and I provided it however they voided their own policy by not sending the chargeback to the company. According to the Fair Credit Billing Act this would be categorized as a " Billing error '' or " charges for goods and services you didn't accept or that weren't delivered as agreed '' For me, the service was not delivered as agreed and I provided ample evidence to prove this and met every guideline in every letter that was sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: KS
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 recently filed a dispute with Equifax for an account with XXXX XXXX XXXX  that is still reporting. I stated it needed to be removed because the DOFD is showing XX/XX/XXXX and pointed out that there is a huge discrepancy in how this trade line was reported to the credit bureaus. 
This account naturally aged off my XXXX credit report XX/XX/XXXX and was removed from my XXXX  credit report XX/XX/XXXX. The DOFD reported to Equifax is an EIGHT MONTH DIFFERENCE from Experian. 
Equifax sent me an email on XX/XX/XXXX stating dispute is complete and added the remarks : Account previously in dispute - Now resolved by data furnisher. 
Obviously Equifax has done no real investigation and is merely parroting what XXXX XXXX XXXX  told them. 
How does XXXX XXXX XXXX  report a DOFD of XX/XX/XXXX to XXXX, and then wait EIGHT MONTHS to report a DOFD of XX/XX/XXXX to Equifax?? This is grossly erroneous and I have recently been denied an auto loan because this also is reporting as a recent derogatory. 
XXXX XXXX XXXX  has unlawful reporting practices. I filed a dispute against XXXX XXXX XXXX  in XX/XX/XXXX because they reported my account as Charged-Off and Sold to Another Lender, yet they were still reporting a balance even though they sold the account several years before. 
I have also asked XXXX XXXX XXXX  to provide documentation in XXXX to substantiate the information being reported to the credit bureaus. They produced no paperwork. It is illegal for any creditor to change the DOFD,  but clearly XXXX XXXX XXXX  has done this and Equifax just looked the other way. 
I want this XXXX XXXX XXXX  account removed from my Equifax credit report because the statute of limitations has expired and my reputation is being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
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:
I have requested XXXX, Equifax, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Equifax ignored my written letter to remove XXXX XXXX XXXX from my report. XXXX  repeatedly overstates the debt, failed to verify the account, and refuses to process dispute information. Equifax ignored my letter to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: BARCLAYS BANK DELAWARE
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:
check # 1 written out on XXXX XXXX {$5000.00} pay to Barclays XXXX XXXX check # 2 written out XXXX XX/XX/2022, {$15000.00} pay to Barclays I called my bank and found out both checks cashed out on XX/XX/2022. 
I called Barclays and they said they haven't received the payments.

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 2020-01-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX the XXXX, XXXX, my PayPal account was permanently closed upon company 's decision over a limitation imposed under the account, stating that I was " a potential risk '' if I continued being a PayPal customer. PayPal established a deadline of six ( 6 ) months to withdraw the left money on my account ( {$700.00} ). Time passed and the principal requirement was met to withdraw the funds. In fact, on XXXX the XXXX, XXXX, I received an e-mail claiming that I was, at that time, able to begin processing the withdraw of the money left on the account ; however, despite all requirements were met by me, PayPal refused to add a bank account into the account and then pull out funds. Indeed, I got in contact at least ten times with the company and none of their employees helped me out as they " were not able to do anything about '' or " my case would be sent to a specialist, then a response would come after a few business days. '' Other employees would ask for additional information about the bank account 's owner that was supposed to receive the transfer of funds as I personally don't have an American  bank account ; although all evidence was submitted, nothing came out of that. Bank account wasn't added into my PayPal account and my money is still stuck on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: FISERV INC.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It was check free pay thru XXXX to pay my XXXX car insurance for multiple months we didn't know the insurance wasn't getting paid till they repossessed our car. After spending multiple weeks calling them XXXX and XXXX, I was getting the runaround saying the other one had my money. The date of when XXXX didn't get its money the first time XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All was Paid thru check free pay at the XXXX XXXX XXXX. XXXX said non of these payments were received

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 2021-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, Equifax and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANCO POPULAR DE PUERTO RICO
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company charged an annual fee of {$140.00} on my account on XX/XX/2021. I canceled the card but the company refused to refund the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XXXX/XXXX/XXXX back to XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XXXX student lian that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting.

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 2017-10-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
Subject : XXXX - Extras Master Cared - Acct number ending in XXXX CFPB Case XXXX A review of my records shows that the minimum amount due was paid on the billing cycles date. While all payments were received around the same due date, these payments satisfy the minimum amount due. Because the full minimum amount due is accurate, therefore the account should not reflect 30-days past due and report as such to the consumer reporting agencies.

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 2023-04-25
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease with Santander consumer USA and the car came with a factory defect which the car had to be return and was lease with another company but Santander keeps charging me and bring me credit score down my solution is to remove this from my credit since the car is not in my ownership any more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these however, I have not been successful.

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 2022-10-20
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
collection company Rash in curtis is been trying to collect a medical bill that has been paid to XXXX XXXX XXXX, this debt was sent to collections by rash in curtis, not by XXXX XXXX XXXX because in the hospital records is all been paid, i have asked rash in curtis to validate this debt correctly and they have fail to validate this item properly, they keep on changing the information on this bill to keep on chasing me for a bill that i dont owe and is been improperly posted in my credit reports without been properly validate i asked them to validate and if fail to validate needs to be removed from my credit report but they keep on ignoring my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 ATG credit has added a derogatory mark on my credit report. After further investigation and research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: AFNI 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: Information belongs to someone else

Complaint:
i do not know how this individual obtained my personal information
Accounts:
XXXX XXXX XXXX
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX 
Account number XXXX

AFNI Inc
Account number XXXX

XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX XXXX 
Account number XXXX

XXXX XXXX XXXX
ACCOUNT NUMBER XXXX

XXXX XXXX
Account number XXXX


Inquiries:

XXXX XXXX/XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX/XXXX XXXX XXXX
XX/XX/XXXXXXXX XXXX
XX/XX/XXXX


XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX

XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

XXXX XXXX
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXXXXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
With Bank of America, I have had multiple incidents of overdraft fees being charged to my account, putting my account into overdraft. I have had checks and/or money transfers that seem to disappear due to other random charges. It happens often. Ive had fraud charges on my account that lead me to getting new debit cards. Ive called and addressed charges such as XXXX XXXX being charged to my account ( something I do not have or use ), I would call and be told it has been addressed, only for it to happen again. There have been many instances where I have low funds in my account while waiting for a paycheck and an overdraft fee will cause my account to overdraft.

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 2021-11-13
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 status incorrect

Complaint:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX  XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

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 2021-11-13
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:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

Company response to consumer: Closed with explanation