BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
I was a victim of gift card fraud. I was scammed {$2000.00}. XXXX Gift cards were purchased from XXXX and no employee raised a red flag. XXXX was purchased from XXXX. Credit cards need to adapt with new fraud cases. The so called {$0.00} XXXX program from CapitalOne and XXXX leave customers unprotected and with no coverage for lost money. Customers do not benefit from being scammed and have to come up with the money. The system is broken. I reached out and provided police report and case number for the input reportfraud.ftc.gov submission. They did not care. I know I am not the only victim and it is sad that these big credit card corporations fail their customers. I have been a user for many years, I have a XXXX XXXX of XXXX and have never filed a fraud claim like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had this Lowe 's card and I've always paid it on time and never was late. When I went in to charge materials, I did not know they were putting it on some type of deferment plan. 
During COVID-19, the XXXX I was working at for twenty eight years closed and as of this date, has not re-opened. Then in XXXX of last, year I was XXXX and had tremendous medical bills due to XXXX and XXXX. I was finally able to find a job paying me half of what I was making. Even so, I was still able to pay Lowes but all of a sudden, I was getting bills with $ XXXX monthly payments due to these deferments that I did not know I had. I contacted them numerous times for a need to find some way to extend that payoff period and reduce their monthly payments. The girl I talked to over the phone/chat said I agreed to the deferment at the check out but that's sneaky because I had no idea. This is unscrupulous and sneaky as anything. Now the bill is so out of whack I don't know what to do. I sent them a letter to talk to my wife as I can not use the phone at the job I now have. I am a new hire and don't want to start that kind of thing while I should be working. They emailed me and I again asked for some kind of no interest deferment but I was ignored by Lowes. I need help

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 2019-10-30
Company: LEXISNEXIS
State: OH
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 have an account from XXXX XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.

I would like to request a security freeze placed on my report and request a PIN Code.

I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.

Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This personal loan was approved for {$10000.00}, of which was a credit card payoff loan. I did agree to auto payment to upgrade for loan. I was told that it would save me interest and would be a 36 month contract. I have made several attempts to get a statement from them, unable to contact them by phone. I received only a letter with my current balance, but no interest was disclosed and my payment history was not shown. I recently got my credit report that showed me this upgrade account is showing 90 months to payout and by my calculations, the interest they are charging me is over 50 %. This is NOT what I was told to expect. Im asking for help because I have no copy of loan, no account # and havent received any statements. They just keep taking payments from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Knight Adjustment Bureau
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't exactly know how this account Knights Adjustment Bureau showed up on my credit report but it's not mine, the original account holder name is XXXX XXXX  I never heard of this company I never had any dealings with this company the balance of this account is {$1800.00} the date that it was open was XX/XX/2015 account status is reporting still open I have contacted this company in regards to these charges and they told me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
i opened a account around a month ago and they froze my account and told me i need to come down to the bank with 2 forms of ID i don't live near the bank and they won't let me verify it any other way so i want to close the account as i have money in it. they won't let me close it or do anything until i come down

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 2019-02-11
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my Experion,  XXXX, or XXXX reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a conscientious consumer, I take my financial obligations seriously and believe in the importance of responsible debt management. I have been contacted by Resurgent Debt Collectors regarding five separate accounts, all of which they claim I owe. However, despite multiple requests for validation and proof of these debts, Resurgent Debt XXXXollectors have yet to provide any satisfactory documentation to verify the validity and accuracy of these claims. 

I would like to emphasize that I am fully committed to resolving any legitimate debts that I may owe. However, I believe it is my right as a consumer to request and receive proper documentation and verification of these debts before proceeding with any further actions. My attempts to obtain this information directly from Resurgent Debt Collectors have been unsuccessful, and I believe their lack of response raises serious concerns about the accuracy and legality of their collection efforts. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Resurgent Debt Collectors provide the necessary proof of debt for each of the five accounts in question. I believe that a thorough examination of this issue will not only protect my rights as a consumer but also uphold the principles of transparency and fairness in the debt collection process. 

Enclosed with this letter, you will find copies of my written requests to Resurgent Debt Collectors for validation of the debts, as well as any correspondence I have received from them. I am committed to cooperating fully with any investigation or inquiry that the Consumer Financial Protection Bureau may undertake to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Galaxy Capital Acquisitions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( company ) on behalf of Galaxy International Purchasing , LLC filed a small claims case against me on XX/XX/XXXX with the XXXX XXXX XXXX. I appeared on XX/XX/XXXX as required and informed the judge that I had already entered into a stipulation payment plan with the company which the attorney for the company was unaware of. The judge ordered the company to provide the signed stipulation payment plan to the court within 60 days and closed the case, which the company violated the judges order and did not file with the court within 60 days. At that time, I notified the company that they were in violation of the court order and requested all payments to be stopped due to the violation. 

The beginning balance of the amount owed was {$7800.00}, I paid {$580.00} on the initial stipulation plan, did not make payments in XX/XX/XXXX and XX/XX/XXXX, due to the company 's court order violation and in XX/XX/XXXX, the company offered me a new payment plan which I promptly agreed up at {$140.00} per month and I have paid a total of {$290.00} for XX/XX/XXXX and XX/XX/XXXX. After making the payments mentioned above my balance should be {$6900.00}, but the company is stating that my balance is now {$7300.00} which is incorrect. The difference is {$380.00} more than the correct balance. I requested from the company to provide me with a reconciliation of the difference and a copy of the new stipulation payment plan that I agreed to online in XX/XX/XXXX, but the company has failed to provide either of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NC
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 a detailed letter on what is wrong on my credit report and the credit bueraus are ignoring my request and nothing is getting done. I aslo do not want you the CFPB to deny my request and tell me I can't dispute this another time. I have the right to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX - Porfolio Recovery. 
It is now XXXX XXXX where I live and this number has called me 27 times in the past hour. This company calls constantly from numerous phone numbers and demands my birth date and ssn before they'll give me even their company name. I get the company name by calling the number. I have sent several cease and desist letters through certified mail, but they refuse to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citizens Bank allowed my account to be over drafted despite the fact that I did not " opt-in '' for the over draft coverage. I called Citizens Bank to ask why and they said that the type of the account I have automatically " opts-in '' account holders for the overdraft coverage and there is no ability to change that. Since my account was originally opened with XXXX XXXX  and then transferred to Citizens Bank, I had no ability to choose what type of account I was transferred into. Citizens Bank should not have transferred customers from XXXXXXXX XXXX  into an account type that automatically enrolled them in overdraft coverage without their consent. Additionally, it took Citizens Bank 1 month to send me a letter informing me my account had been over drafted. It should not have taken that long. Due the aforementioned issues, I would like to be refunded for all of the overdraft fees I have been charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: MS
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:
Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Knight Adjustment Bureau
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX and Knight Adjustment Bureau # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to Knight Adjustment, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today ( XXXX ) I was on the phone for the 8th time trying to access my accounts online ( This is a online bank only ) with Synchrony Bank. Yesterday Synchrony Bank was to Make a ticket for IT to contact me. Called back today and their was no record of it. Have made several calls since XXXX and each time get a different excuse. Please help because at this point wondering if they are solvent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate on XXXX XXXX XXXX Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NY
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to notify Equifax that they have fail to delete the inaccuracy on my consumer report so Equifax is now in default. I am giving Equifax the opportunity to cure this default in 30 days. I the consumer would like to state that Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I have included Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V. These show proof of the violations that Equifax has violated. Pursuant to 15 USC 1681b ( a ) ( 2 ) Equifax is in violation. This federal law states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. Equifax is also in violation of 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I have proof in the attachment label as Display A, Display B, Display C, Display D, Display E, Display F, Display G, Display H, Display I, Display J, Display K, Display L, Display M, Display N, Display O, Display P, Display Q, Display R, Display S, Display T, Display U and Display V.

Company response to consumer: Closed with explanation