BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: DISCOVER BANK
State: VA
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:
A fraudulent charge was made with my card. I attempted to have XXXX cancel the order, but they would not because my email didn't match the one on the order. I disputed with Discover Card. The dispute was declined because " the geographic location '' was my home location ( I wasn't home at the time of the charge, was on vacation with my family ) matched the ip address used. I don't have any emails or other information ; I assume they went to the email of the person that stole my info. I only have the charge on my account and the dispute information. 

The charge was for {$270.00} and was made on XX/XX/2022 at XXXX CST, for a jar of mayo and a tent. The mayo arrived at my house ; the tent did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: TN
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 the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604-A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Westcreek Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Part of the approval process is dependent on a {$40.00} deposit, or initial payment. I was approved for up to {$500.00} originally. When I went to submit the approval to the merchant I was applying for the credit account for, my approval changed tk a denial because I had accidentally entered an invalid card. I called the company, Koalify, and I was advised to reapply with and update my application with no issue. I was denied. The merchant then calls Koalify, and requests for my denials to be reset. I apply again and again I am denied, all because my original application had an error that was since corrected. Im being told by management at Koalify that if it was simply an incorrect card, they can assist with the application being pushed through, which is the reason why I was declined after originally being approved. Then Koalify says that they can not help me because of the denied applications submitted after. HOWEVER, Ive been assured by the merchant involved that the denials could and were reset. Koalify is giving me a difficult time and their so-called policy have no room for error for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.

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 2022-01-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, received a letter on XX/XX/2022 from A collection agency CREDIT COLLECTION SERVICES, stating that they were trying to collect a Debt for XXXX XXXX I immediately called them and talked to a Supervisor by the name OF XXXX XXXX. I explained to him that I had been a victim of Identity thief and that this was not my account. He then explain that he would send me the name of the company, I then requested valadation of this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second complaint in XXXX years that I have made to AWA COLLECTIONS, they continue to report an account that they could not verify to me. I advise them several times that I wasn't even in the states at that time of the event. AWA COLLECTIONS said that they would investigate the problem and remove it from my credit report, this was a year ago today I checked my credit after XXXX year and that account is still listed there illegally they never investigated nor did they call me to confirm it was my account. 

Keep in mind I don't even have a driver 's license. 

I called several times and spoke to ruthless representatives that couldn't verify an account to my name and yet they still reporting on my XXXX report. 

I will attach a copy of what it's showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Resurgent Capital Services L.P.
State: AZ
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX : FICO score has decreased by 28 points XX/XX/XXXX THIS IS A FRAUDULENT SHELL ENTITY. The entity uses coercive and deceptive phone tactics, data theft, and false reporting to credit agencies. 

Account name RECEIVABLE COLLECTION SE Account number XXXX Recent balance {$120.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 

RECEIVABLE COLLECTION has flagged your account as Collections. 
XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX   Company XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$120.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, NY XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's  internal collection department Status Updated XX/XX/XXXX Balance {$120.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

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 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital One Card failed to investigate and act on the facts of this dispute, Capital One, Case # XXXX : Fact # 1. ) On XXXX, I XXXX XXXX attempted to purchase a PRODUCT ( XXXX XXXX XXXX XXXX ) online from this merchant, XXXX XXXX XXXX, at the price of {$39.00}. 

Fact # 2. ) I, XXXX XXXX telephoned thisXXXX  online merchant- within XXXX minutes after my Capital One Card was charged for {$270.00}, instead of the expected {$39.00}, I spoke with the merchant 's customer service representative, XXXX who stated that she was having a problem with her computer, and could not send the cancellation email at that time, but stated that she would email me the cancellation confirmation to show the credit to my capital One card for the {$270.00}, with-in XXXX hours. 

Fact # 3 ) On XXXX, I properly submitted a dispute for this illegal charge of {$270.00}, by XXXX XXXXXXXX XXXX, with Capital One Card - after 10 days had passed, with no email from the merchant, nor no credit for the {$270.00} appeared on my Capital One Card as promised by the merchant 's customer service representative XXXX. 

Fact # 4 ) On XXXX Capital One issued their so-called update on my dispute with XXXX XXXX XXXX stating that the merchant had provided information to support the transaction : Statement from the merchant, ( " Confirmation showing no cancellation per policy was received, '' ) and they were reapplying the charge to my account, 30 days after I submitted my initial dispute, of the {$280.00} illegal charge. Capital One further stated that if I wanted to continue with the dispute, I would have to send a letter with certain information and documentation prescribed on their update letter, within 14 days, by XXXX ( This requirement was complied with. ) Fact # 5. ) Capital One 's notice letter to me to respond to the merchant 's reply to my dispute, by XXXX. This date allowed me less than 14 days to prepare my response and gather the documentation that would show proof of my cancellation telephone call to this merchant. Thus, I complied with Capital one 's required procedure for my dispute. 

Fact # 6. ) Cap One Totally disregarded all documented factual proof I had sent to them by their deadline of XXXX. 

Fact # XXXX. ) Capital One did not comply with their own terms and agreements as stated per their stated policy on the Capital One statements. ( *See Capital One XXXX ) Fact # XXXX ) I see no need to upload any documents here, as Capital One already has all documents sent to them related to this case. 

Capital One Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: MO
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 been working hard to increase my credit score by paying down all old credit cards as well as any debt in collection. I monitor my credit through XXXX XXXX and I noticed somethings that are wrong in regard to my credit report. When I logged into XXXX XXXX it said my credit score is dropped to XXXX a decrease of 26 points because I paid down a balance on my credit card. This is wrong since I paid down the balance my credit score should increase not decrease, when I reached out to Equifax they could not explain why. This is not right as a consumer equifax should have a reason and standard to follow when it comes to credit scores. My score should have went up not dropped. I want this issue looked into immediately as it appears Equifax is not doing its required by LAW do diligence to accurately report my credit and credit score. I want this issue looked into immediately and my points that were drop restored back to my credit report as this is causing me hardship in regards to me fixing my credit up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
im complaining of behalf of Wells Fargo Bank going on XXXX years have been a living XXXX, in the process i had hired 3 Attorneys and literally got rip off by all of them especially one particular attorney that did nothing to modified. Until a year later i got modified myself without an attorney. I have Three accounts with wells fargo especially the mortgage account to save my home and there customer service is the worse. The personal accounts is horrible too because there overdraft fees are XXXX dollars a pop and there is another bank that reduce there overdraft fees to XXXX because they know due to Covid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello CFPB officer, I would like to file a complaint on Citibank regarding the {$400.00} New Checking and Saving Account Promotion. I have opened the new checking and saving accounts with Citibank on XX/XX/XXXX based on their {$400.00} bonus offer link that I found online. I have followed the requirements of funding {$15000.00} in the accounts and maintained the requirements for 60 days. I also have reached out for several Citibank representatives either by phone or via the Live chat ; all of them have informed me that I have met the bonus requirements and not sure why I haven't received the bonus. One of the rep went ahead and summited a case for me on XX/XX/XXXX. On XX/XX/XXXX, Citibank sent me a letter saying that I am not eligible for the bonus as I didn't have 01 qualify deposits. To my best knowledge, there wasn't this requirement when I opened the accounts with them back in XX/XX/XXXX. None of the reps that I have talked to informed me about that. They all have informed me that I have met all the requirements. After I received the rejection letter, I have been calling Citibank. No one was able to resolve the case or give me a proper explanations. Each of the reps I have talked to give me different explanations and I have been being transferred. 
Please help me escalate the case and let me know if there is anything I can provide on my end to support this claim. 

Thank you for your time!

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 2022-12-10
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: AMERICAN HONDA FINANCE CORP
State: CT
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 see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

AMERICAN HONDA FINANCE XXXX Date Opened : XX/XX/2020 Balance : {$24000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following as these are suspicious : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX.-, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation