BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi my name XXXX XXXX I have serval accounts on my report that do not belong to me also addresses that dont belong to me please update address to XXXX XXXX XXXX XXXX XXXX Illinois XXXX thats my only address please delete any other address thats on my profile thanks

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 2020-12-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC Product : Credit Card Balance Owed : {$1200.00} Pay Your Balance Original Debt Amount : {$1200.00} This company keeps sending me emails and letters saying I owe them money I have never had and currently dont have any cards or business with XXXX send a letter as week trying to collect money I dont owe and are stating it was over 10+years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CITIBANK, N.A.
State: TX
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/19 card ending in XXXX was issued a refund of {$230.00} from XXXX, with an original transaction date of XX/XX/19 for which there is a transaction from XXXX. However, despite citi providing the statement showing the refund of for transaction date XX/XX/19 on card XXXX has continued the incorrect belief the refund of {$230.00} was for a transaction on card XXXX for a transaction on XX/XX/19. So Citi believes this credit was for a totally different transaction than the one shown on the citicard statement on a totally different card number. As a result Citi has charged me back for more than this amount in error. 
The original dispute on card XXXX was was supposedly corrected to be for a dispute amount of {$400.00}. Of which XXXX provided a refund of {$100.00} on XX/XX/19. Once this is corrected and the {$230.00} refund is returned to me, there will be a difference on the XXXX dispute of {$300.00} which still needs to be refunded. 
I have attached a copy of the XXXX billing statement to support my claims.

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 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019, I applied for the CapitalOne Quicksilver card. The offer included a {$150.00} bonus if I spent {$1000.00} in 3 billing cycles. I used the online application. The online site returned a decision that I did not qualify for the card with the bonus, but I qualified for the same card without the bonus. Today, I received a letter from CapitalOne explaining that they denied me credit based on my credit report. How can this be? They denied me the CapitalOne Quicksilver card with the bonus, but offered me the card without the bonus. I don't think the 3 credit reporting agencies issue the credit report based on whether or not a company will give you a bonus. This is a bait-and-switch situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX  acct # XXXX, acct # 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. I did not give them written instructions.

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 2019-12-09
Company: JPMORGAN CHASE & CO.
State: NM
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:
I initiated a payment via echeck on XX/XX/XXXX. After the funds were taken, I realised they are a scam company trying to collect on old paid debts. I called my bank, JP Morgan Chase, and explained the situation. They said the couldn't help and refused to talk to me further about it. It is over 30 days and no resolution. I need my money back and this matter resolved. After speaking with them multiple times regarding this issue, I was told on XX/XX/XXXX that the only way to protect my account is to close it. I honestly can not believe that they are willing to lose business. They said there is no way to protect accounts from scammers and that because they do not know where or how money will be taken out, the only true way to be protected is closing the account. 

I do not want to close my account, but am now worried that there is no protection at all for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX Dear XXXX There is information on my consumer report that is a result of identity theft. 
I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact b me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  F Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX + {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Trans Union is profiting by allowing an illegitimate collection agent to report inaccurate information on my credit report. Despite numerous complaints and disputes, Trans Union continues to allow XXXX XXXX XXXX to report account # XXXX on my credit report. I have already sent documents to Trans Union to show them that XXXX is a fraudulent collection agent, currently under investigation by the Securities Exchange Commission. I have also informed them that this collection agent has no permit to operate as a collection agent in the state of NC. I have also informed them that XXXX did not supply a notice of right to dispute prior to reporting this account on my credit report. And finally, I have informed Trans Union that the balance that XXXX is attempting to collect is bogus. Despite all of this information, Trans Union continues to allow this fraudulent collection agency to continue to report information on my credit file.

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 2017-10-27
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was laid off from my job and did not receive any unemployment assistance. I sh paid the mortgage for XX/XX/XXXX. Under their Covid deferment I was given three ( 3 ) not to make any payments. I was told these pay would be placed at the back of the loan. All I had to do was make payments from XX/XX/XXXX. I sent them payments and they sent them back. They want me to pay the three payments that were deferred plus the other payments and that was not the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing negative unverified information from my credit report sinceXX/XX/2019by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.

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 2021-10-02
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Key Bank charged me two {$25.00} maintenance service charge fees ( XX/XX/XXXX and XX/XX/XXXX ). I contacted them via their website chat feature and XXXX advised the fees were valid based on terms of the bank account. I asked specifically what requirement I was not meeting to avoid these fees, and she couldn't answer my question. She said I should have been getting charged these fees since XXXX, but yet fees started end of XXXX. I then asked that in order to avoid the fees I need to know what I should do, to which her response was to change the terms of my account by contacting my local branch. She waived one of the {$25.00} fees, but said she could not waive the second one ( I even asked for a supervisor and asked if I should file a dispute ). She said no and to contact the local branch or wellness financial department for further assistance. If I was supposed to be charged fees since XXXX and had not, why all of a sudden now? Again, she couldn't answer why I was getting charged fees but just to change the terms of my account. My ask is to remove the other {$25.00} and let me know specifically how to avoid fees in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
My account with XXXX XXXX was originally reported by XXXX as having a late payment for XXXX of 2023. I disputed the late payment because at that moment I was in the process of a mortgage assistance application and such report should not have been made. 


After my dispute, XXXX agreed to change the late payment to report as suppressed. XXXX and XXXX changed the information for XXXX 's payment as suppressed, but after two requests from XXXX, Equifax has not changed the information as yet. 


Additionally, Equifax is also reporting my XXXX and XXXX mortgage payments as being late when XXXX did not report such information, as the payments were NOT late. Equifax is the only credit bureau that's reporting XXXX, XXXX and XXXX as being late. None of the other credit bureaus are doing so so. The other credit bureaus are reporting XXXX as suppressed and XXXX and XXXX as paid on time. 


I have reached out to Equifax twice. First, to inquire about the XXXX payment not being reported suppressed. They requested that I asked XXXX to send the information to them once again. XXXX XXXX assured me that they would re-send the request to suppress XXXX 's payment. Equifax still has not changed the reporting. Now they're reporting 3 months incorrectly. XXXX XXXX  also assured me that they never reported any payments late for XXXX and XXXX to the credit bureaus. 


I reached out to Equifax again today XX/XX/2023 and they are adamant that the information they have received for all three months is information they got from XXXX XXXX. 


I would like Equifax to do as requested by the mortgage company. To change XXXX 's payment as suppressed and to change XXXX and XXXX payments as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Company: I.C. System, Inc.
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-12-09
Company: RFNA, LP
State: SC
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 am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is regarding Barclays XXXX credit card program. My case # is XXXX XXXX XXXX XXXX. 
I try to redeem part of my points saved for travel credit on XXXX XXXX at XXXX. I clicked the statement credit tab by mistake. Instead of going to the travel credit page, it leads me to a balance page with a " continue '' tab. I clicked and suddenly they redeemed my whole XXXX XXXX miles saved over the last 10 years. 
I called immediately to credit card customer service within XXXX minutes of this website navigation error. I was told that this can not be reversed. 
They claim it is policy guidelines and refused to correct it. I saved this over 10 years and lost it within XXXX minutes! 
Apparently statement credit ( which is redeemed like cash ) is XXXX the benefit of travel credits ( Statement credit is {$0.00} for each $ while travel credits is XXXX point for each $ ). If you have XXXX points, statement credit gives you {$50.00} against your current credit card balance whereas travel credits will give you {$100.00} against your travel ticket bought on the credit card. 
This is not even a merchant transaction on the credit card. Even if I purchase something by accident, most merchants will honor reversal within XXXX hours. This is only less than XXXX minutes when I ask for reversal. 
The credit card company is being totally unfair.

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 2019-12-09
Company: Avantus, LLC
State: MI
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:
AVANTUS LLC Hard Inquiry - XX/XX/2018 Unauthorized Credit Inquiry! 

I sent out dispute letter asking for removal of unauthorized hard Inquiry on my XXXX   credit report. I also had my letter notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a letter from Nordstrom Card Services- dated XXXX stating the following : That they were apologizing for overcharging me interest on their credit card. I have reached out them asking for the details. 1. What time frame did this cover? 2. What was my interest rate charged and what should it have been? etc. Customer rep told me today that they have no information pertaining to my questions. They did credit my account the overcharged interest and additional amount in light of the error. I just need to find out the details and whether we deserve more. This could be just hush money to move on. I need details, which they won't provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: 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.

The letters are stated with items and issues.

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