BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-06-17
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
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:
To whom it may concern : Thanks for your time helping me, the credit card co is called : Union Bank Visa. i've purchased some merchandise on line from XXXX in XXXX last year, for the amount of {$220.00} and i've returned some of the items to them and got refund of {$93.00} on XX/XX/2018. 
When I've received my credit card statement, I saw XXXX  did issue me a credit of {$93.00}. but Union Bank Visa charged me for {$93.00} again as a " security adjustment '' and it happened exactly the same as another charge of {$10.00} on XX/XX/2018. I've tried to contact them since this XXXX, they asked me to call their fraud dept at XXXX, ext : XXXX and talked to XXXX, I've tried more than 20 times since XXXX, she never picked up the phone, and only returned my phone one time and after I tried to call back, it was just as before, can't get hold of her till I finally I talked to her on XX/XX/XXXX and explained the situation, she kept telling me the security adjustment is a credit, but after I asked her to calculate the total for my balance, it proofed it's not a credit, its a CHARGE! then she said she will call me back and hung up on me! After that she never called me back no matter how many messages I've left on her. I even talked to two supervisors at their customer service and complained about that, all they said is they can't do anything, I can only talk to XXXX! 
The most ridiculous thing is when I received my XXXX statement, they charged me those 2 items again plus the late fee and interest! I've talked to their customer service and one of their rep is very helpful, she told me she heard lot customers complained about XXXX, but there is really nothing she can do over there, she just helped me to wave the late fee and I asked her to make sure to dispute those charges till they can finally solve my problem and she said sure. 
I just received my XXXX statement, and they charged me the late fee AGAIN also includes the charge they over charged me. Now my balance is {$230.00} including the late fee, interest and 2 items they've over charged me 2 times! 
I will be really appreciated for your time and help, really hope you can solve this problem for me, I believe they know their system has this problem and keep charging customer by " security adjustment ''. I will be highly appreciate to hear from you soon. 
Thank you very much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This complaint will envolve Transunion credit bureau, The USPatriot Act of 2005 and numerous credit reporting agencys that have ruiened consumers to get financing due to personal info being shared by any business, credit reporting agencys, Federal banks and anyone who wants to pull someones info in their personal credit file without their authorization .This is unfair and fraudulent activities of the credit reporting agencys and Transunion to release information to anyone who asks for it. Idenity theft of all these credit reporting agencys and the USPatroitAct of 2005 put in by President Bush. I will be attaching numerous credit reports also XXXX XXXX regecting me a bank account due to inaccuracy and Fraud being released by these bureaus and I have nothing in there to be denied a checking or savings account. And also I want this sent to the US Congress a complete revision of the patriot act on behalf of the consumers. We only need 1 credit bureau

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 2022-03-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/XXXX, which included a Request for Dismissal ruling from The Superior Court of California. ( See attached ), again requesting that they remove the negative remarks that were showing up on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: JPMORGAN CHASE & CO.
State: NJ
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:
In XXXX of XXXX I discoursed by credit card number had been stolen and was being used for cash advances from a service called " XXXX ''. I alerted Chase Bank and they reissued cards. ( Change from account number of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXXXXXX ). They advised the matter was resolved even though they have charged interest on CASH ADVANCE that I never received and was in fact fraud. Calls, emails, etc. have been ignored. Not sure what do at this juncture other than file suit but the amount is to low for attorney to be interested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-13
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid off my mortgage on XX/XX/2021. I am owed a refund of {$4500.00} ( as well as payoff confirmation letter, promissory note, etc. ). It is now XX/XX/XXXX and I still have not received anything from Flagstar Bank. Their website has a chat with customer support feature but every single time I check it says unavailable.

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 2017-07-08
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: Information belongs to someone else

Complaint:
I contacted XXXX XXXX and Transunion on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to XXXX XXXX. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.

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 2017-07-08
Company: Exeter Finance Corp.
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: Information belongs to someone else

Complaint:
I contacted Exeter Finance and XXXX on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to Exeter Finance. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: IL
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:
purchased 2006 XXXX XXXX financed thru XXXX XXXX XXXX  that was paid off in XX/XX/2017 and i  have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
purchased XXXX XXXX XXXX financed thru XXXX  XXXX XXXX that was paid off in XXXX of 2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.

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 2019-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit freeze was supposed to be removed last year I keep complaining about this they keep giving me the runaround. 
They keep grandstanding, This has to stop every year I keep calling in to get this corrected, They have all my information this process is done over and over prolong in my credit score I would like to be removed from that whole system up Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid 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:
HSBC refuses my repeated request that it send me a check cor {$150.00} in redemption of its promotion of {$150.00} for {$500.00} charged by me to my HSBC credit card within 3 months! I have repeatedly told HSBC I find redeeming the cash online impossible to do after several attempts! It has provided me with NO help. I want a check cor {$150.00} promptly sent to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2017-07-08
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!

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 2017-07-08
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:
I submitted a complaint to XXXX about XXXX XXXX ; I have paid in full to the account. I also want to know why these United States Credit Bureau 's are allowed to only report negative information from Wireless companies and Utilities? This is a one way avenue that is a direct Economical impact to the wealth of our country. This is a bias practice. If these companies want to report negative on our Financial Credit system then they must report good credit to these companies as well. This process is unfair and bias towards the wealth of Banks and APR that sucks American 's Wealth which Politicians and their Lobbyist get rich from. Enforcing a fair Credit system is Key and allowing these companies to biasly report is a CORPORATE CRIME against AMERICA!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Suttell, Hammer & White, P.S
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 'm filling out another complaint as the first complaint was NOT addressed. The case was closed illegally. You are required to take action or face possible legal action. 
As I stated before - Oregon Law clearly states attorneys who operate as debt collectors are in fact debt collectors and NOT an attorney. Therefore, under Oregon Law they are subject to consumer law and many other laws. They are required to have a valid business license since they are a DEBT COLLECTOR and NOT an attorney. XXXX XXXX XXXX did NOT have a valid business license in XX/XX/XXXX nor did they adhere to all State & Federal laws  since they were in fact a debt collector and NOT an attorney. Therefore, any alleged debt is illegally represented. As such, Oregon DOJ will be taking legal action against XXXX XXXX XXXX as they have on prior debt collectors who operate illegally in Oregon.
Oregon Supreme Court Ruling - State Law - Final Ruling : Attorneys who operate as debt collectors are in fact debt collectors XXXX XXXX XXXX IN THE SUPREME COURT OF THE STATE OF OREGON XXXX XXXX XXXX , an Oregon professional corporation ; and XXXX XXXX XXXX , individually, Petitioners on Review, v. XXXX XXXX , Attorney General ; and Oregon Department of Justice , Respondents on Review. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I spoke with XXXX XXXX with Oregon Div. of Financial Regulation. XXXX stated XXXX XXXX XXXX XXXX was illegally conducting themselves as debt collectors. XXXX XXXX XXXX XXXX unknowing to me filed a judgement for alleged debt. I filed paperwork prior to this so it was illegal to file the lawsuit in the first place. Furthermore, Oregon Law & Federal Law required all debt collectors to be licensed with NMLS. XXXX XXXX XXXX XXXX did not have a NMLS license, did not have an active business license in Oregon as outlined by state law and called my business to collect on this alleged debt. All of these are violation of Oregon 's Customer Protection Laws. Which was upheld by the Oregon State Supreme Court in XX/XX/XXXX. Oregon Div. Of Financial Regulation stated this is a violation but the Dept Of Justice would have to be agency to file a lawsuit and/or take action for the violations. This would mean the court case in XXXX County - Case # XXXX - is not valid. As such a motion to vacate is mandatory under Oregon Law. I request the Oregon Dept of Justice take  action against XXXX XXXX XXXX XXXX. I have a large box of documents as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Conn's, Inc.
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: Account information incorrect

Complaint:
In XXXX of 2017 I went into the Conn 's store located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I went in looking for an entertainment center for my living room. I found the one I wanted and was approved for it. I had it delivered to my house. It was delivered by a contracting company that Conn 's uses for its deliveries. The gentlemen began to put the entertainment center together, it was 3 separate pieces. Once it was put together we noticed that all 3 pieces were not going to fit on the wall in my living room. So I advised the guys to return the entertainment center. They packaged the pieces back together and put them back on the truck. When it was time for me to sign off on the delivery and acknowledge that I was returning the product the young man told me that his digital device was not working and that he would send confirmation once he got back to the warehouse. I called Conn 's to advise them of this as well and they said that would follow-up with the warehouse. On XX/XX/2017 I went inside of the store that I purchased the entertainment center from and spoke directly with the store manager. The store manager assured me the this would be taken care of and the purchase we be voided. On XX/XX/2017 I called Conn 's because I was still being charged for the entertainment center. I spoke with XXXX rep # XXXX and call confirmation # XXXX. XXXX stated that I would receive a call back from management within 72 hours and I never received a call back from anybody. I have been dealing with this every since. Multiple phones calls later this is still on my credit and I do not have the merchandise. This is the only negative account that is on my credit report and I want it removed permanently.

Company response to consumer: Closed with explanation