BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a violation from the XXXX XXXX XXXX. Which was n't mine because the vehicle was stolen. I notified them and the account was sent to collections. I disputed the collections with the collections company Linebarger Goggan Blair & Sampson LLP back on XX/XX/XXXX and also on XX/XX/XXXX I have called twice and still no resolution to collections matter. I called today XX/XX/XXXX and they stated it is still under review. I tried also calling the XXXX XXXX XXXX and they referred me back to collections, I do n't believe I should have to wait 3 months for a reply on debt that is not mine. I want it cleared up asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: SC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to follow up on a prior CFPB complaint with Kohl 's with Complaint ID XXXX-XXXX. 

In my previous complaint, I had indicated that Kohl 's continues to falsely report a late payment for XX/XX/XXXX on my credit report. In their response, which is attached, they have failed to address my complaints or pay heedance to the facts surrounding my account, or ; the evidence I have repeatedly submitted to them. 

XXXX XXXX starts off her letter with the statement " As it is my intent to provide our customers with quality service ''. Clearly, Kohl 's had demonstrated a low bar for " quality '' service as they continue to damage my credit with false and erroneous information despite repeated attempts to resolve this issue. 

I have never had a late payment with Kohl 's. XXXX XXXX, in her letter says " As stated in our letter dated XX/XX/XXXX, we are unable to locate a Bill Pay payment made on or around XX/XX/XXXX, for {$78.00}. We have requested that you verify with your bank that the correct Kohls credit card account number and payment address were listed on the payment in question. ". I have attached a screenshot of the payment. Kohl 's clearly misplaced the check my bank mailed in. Kohl 's can not continue to damage my credit when it is their responsibility to process payments correctly and promptly. 

XXXX further states " While we were unable to remove the 30-day delinquency reported to the Consumer Reporting Agencies ( CRAs ) for XX/XX/XXXX, we were able to reset the delinquency on your account for XX/XX/XXXX as a courtesy. ". I never had a late payment in XX/XX/XXXX. There is no courtesy or favors being extended here. Fortunately, this was removed from my credit - but not as a courtesy, but because it was a mistake Kohl 's made. 

I have also attached an export of the history of my payments clearly demonstrating their was no late payments in XX/XX/XXXX. 

They must immediately remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have tried to setlle and get all of these inquiries I did not put on my credit taken off

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX I paid XXXX or more on account and they dropped my limit. Next month I paid another XXXX plus and they dropped again. I pay everyone on time and never late. I explained that XXXX had billed me incorrectly during XXXX and was being resolved because my score had dropped with this issue at the time. I also feel Transunion is reporting inaccurately my score, it is XXXX points lower than XXXX XXXX XXXX. The other issue is if I use {$300.00} in the card they drop XXXX points. When I pay the same amount back or more, they raise XXXX point, why?

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 2023-08-22
Company: Army and Air Force Exchange Service
State: TN
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 was a charge off XXXX yrs ago. I got it off my credit report and they added it back on again

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 2022-09-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-22
Company: V and H Portfolio
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
XX/XX/2023 I reached out to Vice and Huffman in Virginia to inquire about a credit account that I was not aware of previously. However, the director of the credit collection agency, XXXX XXXX, along with a lady who answered the call, was not cooperative and rude when I requested more details about the account. Once transferred, He ( XXXX XXXX ) did not engage in a proper discussion, which made it impossible for me to confirm the accuracy of the reported balance. 

During our conversation, XXXX XXXX kept mentioning that he was recording the call and kept interrupting me when I tried to clarify certain information. As a result, I found it challenging to fully understand the situation, resulting in a XXXX XXXX making threating commenting to retaliate against further actions of dispute. 

I will not stand for mistreatment while trying to access accurate information about my credit report. XXXX XXXXXXXX XXXX neglect and dismissive behaviour has made it hard for me to get important details. XXXX XXXX heavily implied that he will retaliate against me if I made any complaints. 

The intent of the call was to gain more knowledge on the account and mentioned that it needs to be removed because of error and false reporting of the details across reporting agencies and the closing of the original account and the open line of credit to this date which is also false.

After further research, this falls under the Tile 604 and 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a simple interest loan in XXXX with Regional. The first monthly payment was due XX/XX/XXXX in the amount of {$590.00}. I made the very first payment on XXXX XXXX in the amount of {$600.00}, I also made a verbally indicated separate principle onlypayment of {$50.00} on this same day., both by phone to agent. I received statement/ receipt notice dated XX/XX/2022. On this statement/ also receipt I received, as well as, online DOES NOT show nor provide COMPLETE ADDITIONAL payment breakdown nor allocation of excess payment. I then proceeded to call regional and spoke with first female representative expressing valid concern regarding additional principal payments not indicated on receipt. She proceeded to confirm the principal payment was applied to principal but in order for customer to have record of payments in itemized detail showing additional payments, the customer have to call in every month to request by way of a supervisor showing complete payment breakdown. My concern is that this company is intentionally not giving complete payment history nor allocation on their website or their receipt statements of consumers payment Consumers have to call in and request itemized payment history to show additional payments and allocation in its entirety per month from a member of management if they are available. My concern is that this is a huge billing deficiency within this company. The consumer shouldnt have to call to get a complete itemized payment history every month when this information should be indicated, included and legally shown on monthly statements and receipts as payments are made for consumer record keeping and to ensure no company billing errors as anything else consumers purchased, pay for or paid on. I respectfully request this issue to be investigated and amended that this company start reflecting what consumers are paying them in its entirety on line and on mailed receipts for consumers as well. One other main point I would like to make is that I spoke with a supervisor after initial rep and she couldnt even pull up the receipt/statement that they mailed to me dated XX/XX/XXXX on today XX/XX/XXXX in order to throughly go over what my concern was. Consumers should have in their possession as well the same itemized payment information on this as anything else they pay their hard earned money on or for. Regional is not providing complete monthly payment documentation to consumers ensuring accuracies and no calculation errors on their part especially when consumer is trying to pay loan off earlier than the contractual term.Also there are hundreds and hundreds of billing issue complaints against them and actual billing errors on their part.

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 2022-05-30
Company: EQUIFAX, INC.
State: HI
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:
The Companies listed below did not obtain my written consent to publish any inquiry details on my credit report. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The machine took my money. I had called the emergency department within the Bank of America branch and that report that the only Bank of America contacted in XXXX, CA XXXX took my check and did not give me a receipt and they kept my card was in the machine for about 15 to 20 minutes. I did plead with a lady named XXXX or XXXX with a emergency department of the Bank of America to put at least two to {$300.00} within my account so I can afford my medications and I was declined that is why I am making this complaint.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove from credit. I do not owe a balance. Ive never received a disbursement from the school. Please remove from credit. I dropped all classes once I realized they were trying to get me to take out a loan.

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 2023-01-04
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:
Hello, Thank you for taking the time to review my concerns. 

On the weekend of XX/XX/2022 - XX/XX/2022 I purchased 4 nights stay at the XXXX XXXX and during that timeframe we did not have a working shower. I spoke with management during every night of the stay and they would promise to address the issue but it was never resolved. 

This is disappointing because a functional shower is an essential part of a hotel stay and my parents and baby brother were not able to clean up which resulted in health issues. 

Chase manages rewards parties via a third party member and in order to discuss the issue, I had to contact ChaseTravel>Vendor>Hotel in order to receive more information. This game of telephone did not allow me to properly convey the issue and work towards a resolution. 

Upon filing a dispute this added another layer to the conversation Chase XXXX. After speaking to multiple people on the issue I dont believe the details were correctly recorded and my dispute was closed.

As a customer, I dont believe Chase attempted to correctly resolve or correct the issue for the following reasons : 1. They did not allow me to dispute the full amount as I used travel points for {$300.00} out of a {$950.00} dollar stay 2. They introduced multiple lines of communication which prevented me to accurately articulate the issue 3. Unclear resolution description 4. Little to no communication from Chase on the issue submitted or resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account in   XXXX   XXXX   XXXX  . My online access is not working even after creating the password twice in a single day. There is a lot of wait and hold times and customer service is not helpful either.

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 2023-04-12
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Forster & Garbus, an attorney run collection mill, claims I owe a credit card debt. I don't recall any such debt, or if there was one it was incurred over 20 years ago. I have no original paperwork in my possession concerning this matter. 

They have not certified any documentation concerning the debt in accordance with its recent settlement with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: JPMORGAN CHASE & CO.
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:
Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NV
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: MARINER FINANCE, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe Mariner Finance, I sent a payment in XX/XX/XXXX, they stae they never got. Now they want 2 pmts NOW. They call on a daily basis they call at work and are now calling my neighbors. I talked to them a couple weeks ago and told them when i get p [ aid i would send what i could. That was all fine and good but they never talked with me and dont know who called. I am tired of this everymonth. I try but we ran into some financial difficulty, and am trying to catch up but these people just keep hasseling thinking i will get paid faster that way, but i can only do what io can do.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.

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 non-monetary relief