BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
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:
VISA Account Number : XXXX XXXX XXXX XXXX VISA Account Number : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX VISA Case Number : XXXX Merchants Name : XXXX / XXXX Date of Transaction : XX/XX/2020 Sir : On XX/XX/2020, I paid {$430.00} + {$430.00} = {$860.00} on VISA card with respect to two flight tickets. 
I was assigned XXXX flight number XX/XX/XXXX XXXX for XXXX from XXXX XXXX to XXXX, and flight number XX/XX/XXXX XXXX for XXXX from XXXX to XXXX. 

On XX/XX/2020 ; I received an email shown in EXHIBIT 1 from XXXX XXXX advising that flights were cancelled by XXXX. 

On XX/XX/2020 ; I phoned VISA and requested a charge back credit of {$860.00}. 

On XX/XX/2020 ; VISA issued a temporary credit of {$860.00}. 

On XX/XX/2020 ; I faxed document shown in EXHIBIT 2 to VISA, to comply with their request. 

I received a letter dated XX/XX/2020 from VISA ; shown in EXHIBIT 3. 
The letter advised that the charge for {$860.00} was being reapplied. The information provide by XXXX stated that I had requested a voucher in lieu of the credit of {$860.00}. This is a false statement, as I did not request such voucher. At this time, I request a credit of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: EQUIFAX, INC.
State: TX
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:
On Equifax credit report, there is a credit inquiry made by XXXX XXXX on XX/XX/18. I never contacted this company for any kind of services. I have called XXXX XXXX, they said that they don't have any accounts opened in my name, so they are not able to further look into this matter. 

I have made a dispute with Equifax on XX/XX/18. After the investigation, they said that " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NE XXXX ''. 

The current situation is, Equifax is pointing to XXXX XXXX, and XXXX XXXX says that they don't have any open account in my name, so they are not able to investigate further. 

I am not sure how XXXX XXXX got my SSN and authorization to have a credit check. 

I am stuck in a situation without any proper closure for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$1400.00} Opened XXXX XXXX, XXXX XXXX  Balance {$3.00} Opened XXXX. XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
Portfolio Recovery XXXX on behalf of XXXX XXXX, attempting to collect a debt That does not belong to me that Was removed months ago. Identify theft report/police report, filed and submitted to XXXX XXXX as well as bureaus months ago. Police report case number XXXX XXXX ) as well as FTC complaint filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: GA
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 reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: Grain Technology, Inc.
State: MD
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:
Grain XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over XXXX points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding grain to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire XXXX XXXX I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under grain the digital credit card. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: GreenSky, LLC
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a procedure done last year at the XXXX XXXX, in XXXX XXXX, MO. I was approved with a line of credit thru Green Sky. They procedure didnt meet my expectations, nor really any customers at that. Less than 6 months later their doors are shut, closed out of business. This place is not legit.. I was told if I didnt like my results to come back, however they are now longer in business and I feel I should not need to pay for XXXX service. I have told the place of treatment this as well as Green Sky, I am disputing this collection. They are no longer in business for a reason of unsatisfied customers and complaints, which I am one. Please see you can help dispute and resolve this matter. Please take off my credit as it is hurting my score. I make the money but I refuse to pay for service that didnt work and when I tried to reach back they were out of business. Thank you in advance, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions Inc.
State: AZ
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 contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXXXXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either.

XXXX and Experian were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit ....

What can I do about this legally? Can CFPB help me?

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 2018-01-25
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a bill from CMRE Financial Services , Inc. about three weeks ago. 

I received a missed call from them yesterday. I would like to know why. What was the purpose of the missed call? I believe that element of bad intention and fraud does in fact exist regarding this matter. 

Secondly, I have requested numerous times from them to please provide me with proof that I owe this debt to them. However, they didn't provide me with the proof. 

I believe that I have not been treated fairly. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: GREAT LAKES
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this due to non-compliance with the CRA XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. Company Name : US DEPT OF ED/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Dates : XX/XX/2019. I sent dispute letter out disputing the inaccurate information and XXXX claimed it was accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, my debit card was hacked and an XXXX XXXX was created and 5 separate transactions were attempted in the amounts of {$500.00}, {$500.00}, {$500.00}, {$450.00}. and {$450.00}. When I contacted US Bank ( XX/XX/XXXX ), I was immediately sent to the fraud department as the transactions were already flagged as potential fraud. I verified that I had not made the transactions. I was told that the transactions were a new XXXX XXXX account and someone attempting to wire funds to people. The fraud specialist assured me that she was reversing the charges immediately. I let her know that I needed to pay my rent and a car payment would be coming out. She said that the {$2400.00} was back in my account. She stated that I would receive paperwork in the mail to sign and would hear the results via mail in 60-90 days. 

On XX/XX/XXXX, I checked my account to find that my rent and car payment had bounced and I had a negative balance because all of the fraudulent charges had been processed. I immediately contacted the bank. The bank informed me that it is their policy that the vendor can choose to process the charges even though they are fradulent. The bank then continues the investigation and the money is returned to me in 10-14 days. Now, I have bounced rent, car, and other bills and have incurred late fees, and bounced charges. 

I do not believe that it should be legal for the bank to allow these charges to process after establishing with me that the charges were fraudulent especially after 1. already flagging the charges as potential fraud themselves. 2. verifying with me. 3. the fraud occured in a different state, and I had a charge in my own state same day. 4. and telling me my account was okay and returning the funds only to pull them agan. 

Also, I asked the bank to email me a statement regarding the fraud since I was going to start bouncing. They informed me it took 10-14 days to get me that information.

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 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX ****XXXX XXXX XXXX ****XXXX XXXX ****XXXX  XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX  {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$830.00} ****XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: FL
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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CHILD SUPPORT ENFORCEM Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX  or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$720.00} XXXX  XXXX {$720.00} XXXX {$0.00} XXXX {$0.00} CB XXXX {$0.00} XXXX  XXXX {$380.00} XXXX OF XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$140.00} XXXX XXXX {$0.00} XXXX XXXX {$400.00} XXXX XXXX {$840.00} XXXX XXXX {$730.00} XXXX {$14000.00}

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
Consumer complaint received 2019-01-04
Company: CCS Financial Services, Inc.
State: CA
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 have recently checked my credit and discovered a fraudulent collection account is reporting in my credit report. I am a victim of identity theft and XXXX XXXX XXXX ( ACCOUNT NO : XXXX, ORIGINAL CREDITOR : XXXX XXXX ) ACCOUNT is a fraudulent account. I have no knowledge who opened this account because I have never let anyone to use my personal information to open any account for any purposes. Please help me to resolve this problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX pulls the payment every two weeks directly from my bank account. When this happens they send me a message telling me what my new balance is. What they do NOT tell you is that is only the " principal '' balance not the actual balance left owed. I made a XXXX payment today ( XXXX XXXX, 2018 ) I called the company to make sure that the XXXX went straight to my principal balance and I was told they do not " do that '' sort of payment their. Every payment I have made to them they are using about 10.00 of that payment for the " principal '' balance. This place should NOT be able to do this type of stuff. The amount of interest they charge their customers is unreal!! I will never ever take another loan from Speedy Cash!

Company response to consumer: Closed with explanation