BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
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:
I did not authorize anyone employed by XXXX XXXX XXXX, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XXXX/XXXX/XXXX received letter dated XXXX/XXXX/XXXX stating that I am being " denied credit '' and my credit line is being reduced from {$20000.00} to {$10000.00} because I am not using the card enough -- please note that government and private agencies strongly urge consumers to keep credit scores high by using the smallest percentage of available credit they can. I did NOT request or authorize any change and assumed fraud. Tried repeatedly to contact card issuer ( CapitalOne ) by phone and was repeatedly cut off by automated system after long holds. Therefore I sent letter dated XXXX XXXX requesting fraud investigation ; attached as " XXXX. '' Company did not respond. Therefore, on XXXX XXXX I again called and this time reached an agent who gave the name " XXXX. '' He then said he was in the wrong part of the fraud department and eventually turned me over to someone giving the name " XXXX '' and the ID # XXXX. I was on the phone a total of 33 minutes beginning at XXXX Eastern time. " XXXX '' confirmed that this change is NOT fraud and that CapitalOne is denying me credit ( as their letter says ; see attachment " XXXX '' ) for " our own business reasons, '' and will be reporting the denial to the credit agencies, thereby harming my credit standing. I have a credit score and a FICO score over 800, partly because I am careful to use the smallest possible percentage of my available credit. CapitalOne is forcing me to use a higher percentage by reducing the credit line and is therefore deliberately and intentionally damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: RI
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:
So I discovered about this XXXX XXXX Credit Card which was charged due to missing payments on my credit report. I have absolutely no clue of any information associated with that credit card as I never applied or even opted for that. I just have 2 active credit cards which are on my report and in good standing. This charge needs to be taken off from my credit report as it is clearly not me. I dont recognize the card number or the account number and whats more suspicious is that there is no phone number stated for that account on Experian to which I can call to. I have already filed dispute with experian which came out to no conclusion and again called their fraud department today to please look further at it as this is not my credit card and is affecting my credit score.

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 2019-04-05
Company: Net Pay Advance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Im a veteran dealing with XXXX with anxiety as well as XXXX XXXX issues! I originally applied to help finance a lawyer to fight the VA for wrong and neglectful mistreatment and improper diagnoses. Then that fell thru and then I got overwhelmed by applying for another due to I wanted originally {$1500.00} but was approved for less which resulted in multiple loans thus becoming overwhelmed. I finally got with another law firm and hopefully my mental and physical issues will be addressed and properly diagnosed and treated if there treatment available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have two accounts with XXXX XXXX XXXX. 

SOMEBODY USED MY CREDIT CARD TO BUY THINGS FROM XXXX. THEY EVEN CHARGE ME ISA FEE. 

THE TOTAL AMOUNT IS MORE THAN {$3000.00} THE BANK SAYS THAT I APPROVED THE TRANSACTIONS THAT I DID NOT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not receive my credit 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 non-monetary relief
Consumer complaint received 2019-04-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We vacated our apartment # XXXX at the XXXX XXXX XXXXXXXX XXXX, XXXX, GA on XX/XX/2018 in compliance with the terms of the lease. The management sent me an email on XX/XX/XXXX claiming unsubstantiated damages of {$650.00}. I tried to work with them and asked for evidence such as photographs but they said they did not have any. As per Georgia law O.C.G.A. 44-7-33 they should have provided me with the damages list within 3 days of the move out date and allowed me to inspect the damages within 5 days. They did neither. So I disputed the charges. Since they had already violated one law, as per the second Georgia law O.C.G.A. 44-7-35 they're  forbidden to take any action against me. They still went ahead and turned it over to a collection agency National Credit Systems. When the collection agency called me twice, I notified them both the times that these were unsubstantiated charges and had been disputed.But they went ahead and reported it to the credit bureaus. I've had " Exceptional ( i.e. XXXX credit score ) for decades which has now been reduced to " Good '' ( i.e.700+ credit score ) and will remain on my credit for 7 years. This impacts my creditworthiness significantly. They have violated the laws and yet they're continuing to take illegal action against me. 
I request that this false collection charge be removed from my credit and that action be taken against the apartment management for violating the laws and damaging my credit. 
I look forward to your support in obtaining justice. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX card inquiry on XXXX-Comenity Bank/XXXX inquiry XXXX XXXX inquiry on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: QuickClick Loans of Illinois, LLC
State: VA
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:
on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: GA
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 currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XX/XX/2016-XX/XX/2016. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit 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 2019-04-05
Company: EQUIFAX, INC.
State: GA
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 currently in the process of trying to get a loan and I am getting denied. My account with XXXX XXXX XXXX is showing I have missed over 120 days of payments from the months of XX/XX/2016-XX/XX/2016. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: MORGAN STANLEY & CO. LLC
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Letters to XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After calling the company who could find no record of my account but stated they had a fire 15 years earlier in their records storage building. Second call with my brother XXXX XXXX with no satisfaction I wrote to the XXXX, XXXX XXXX. 2nd letter brought a response, also not satisfactory. 
Letter in response from XXXX XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Opened a dispute on XX/XX/XXXX with Citi Mastercard for concert tickets purchased through XXXX XXXX XXXX XXXX  on XX/XX/XXXX in the amount of {$470.00}. All information was sent to Citi on XX/XX/XXXX as requested. They issued a conditional credit to my account. Citi then requested I mail all information to them which was mailed on XX/XX/XXXX. In XXXX, XXXX XXXX XXXX XXXX repsonded to Citi MasterCard and they reversed the conditional credit. XXXX XXXX XXXX XXXX changed the seats on their receipt to reflect the mobile tickets. I responded back to Citi on XX/XX/XXXX as per their request with the same information that was sent on XX/XX/XXXX. On XX/XX/XXXX citi MasterCard notified me that XXXX XXXX XXXX XXXX   responded to my reply on XX/XX/XXXX and they would again issue a conditional credit. As of today XX/XX/XXXX they have not issued the credit. I spent about 2 hours on the telephone with Citi Mastercard on XX/XX/XXXX and got absolutely no where. The concert tickets received from XXXX XXXX XXXX XXXX are different seats than what I agreed to purchase over the telephone. The proof of purchase was sent to Citi to show the discrepancy. I have called Citi Mastercard multiple times to get a different answer each call. On XX/XX/XXXX I realized I no longer had access to the mobile concert tickets purchased from XXXX XXXX XXXX XXXX. This information was also called and emailed to Citi. The concert is XX/XX/XXXX. This dispute has been going on for 105 days. I have sent proof to Citi Mastercard that what I agreed to and purchased over the telephone is different than what I received. I just want a refund!!!

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 2020-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2018-03-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has an account # XXXX stating that I owe XXXX   from 2012. XXXX another account # XXXX  reporting a XXXX balance These account was fraudulently acquired in my name de to identity theft. This account doesn't belong to me. This company has judgements in XXXX County Court System under my name that is negatively affecting me form acquiring a mortgage loan. I need this to be removed asap so that I can close on my property. I have also filed an identity theft report for the 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
please remove fraudulent/ unauthorized closed account ( XXXX XXXX XXXX XXXX ) Opened Feb 2020 off my report or provide proof in writing within 30 days

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 2017-12-07
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 've spoken with a customer service rep from my servicer previously and the issue has not been resolved. The servicer has continued to not issue statements to me for my student loan balances. I did not receive statements, or even notice that statements were available, for the months of XX/XX/XXXX and XX/XX/XXXX. The servicer has created statements after payments were due and loaded them into my electronic account. As shown in the attachment ( see Discover Statements ), no statement has been created for the month of XX/XX/XXXX. The statement dates are typically the XXXX of each month and I usually receive an email notification that it is available on the XXXX of each month. There are two Regulation Z violations here : 1026.41 ( a ) ( 2 ) and 1026.41 ( b ). 

In addition, I received a call from Discover this morning stating that I have past due payments for the last two months. This is untrue and I have actually made two payments in the past three months well beyond the minimum amount due, including one payment of {$5000.00}. I asked to speak with a supervisor and he acknowledged that this was an error and that I have not missed any payments ; the servicer simply has not properly applied my balance. As a result, I consider the call I received this morning to be an abusive collection tactic ( XXXX ). 

I have attached a document ( Discover Correspondence ) showing all correspondence issued, in the past several months. Letters include confirmation of one-time payments, which they identified my payments as such because no payment was due ( since the servicer had not created statements for those months as of those payment dates ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase Bank administers a XXXX XXXX for which I am a member. This credit card provides certain services which are offered with a {$95.00} annual fee. However, these services ( e.g. XXXX XXXX access ) are not available due to COVID-19 closures. 

Chase Bank assessed this annual renewal fee on XX/XX/2020, and is currently demanding payment. I contacted Chase Bank ( XXXX ) on XX/XX/XXXX to request this fee be removed or suspended, but they refused. I explained that they can not provide the services for which the fee assessed. They were not interested and instead demanded payment. 

Consumers should not be charged for services which can not be be delivered. Chase Bank is taking advantage of the COVID-10 pandemic by charging customers for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX   {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX {$150.00}, ( 5 )  XXXX {$140.00}, ( 6 ) XXXX  XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX   {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX   XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.

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 2018-12-05
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement letter from Citi Bank, N.A. Home Depot Company stating that I'm eligible to settle the debt in full for {$4.00}, XXXX by the due date of XX/XX/2018. I called to clarify the content of the settlement letter, and The Home depot agent certified me that once the payment is received the debt will be written off ; in other words, I will be debt free, that was on XX/XX/2018. I agreed to pay the settlement offer which is {$4400.00} on XX/XX/2018. The agent took all of my bank information in order to withdraw the sum as of XX/XX/2018. I did NOT have that money in my account, but I anticipate to borrow it and pay it as the letter stated " it is a great opportunity. '' Now I just receive a bill statement from Citi bank-Home Depot stating that i have a balance due of {$6700.00}. 
Prior to the settlement I paid over {$2500.00} out of that {$10000.00} credit card debt from Home depot. Citi Bank, N.A. wiped out that {$2500.00} and stated that I owed over {$10000.00}, which is now {$11000.00}. When I called to find out what happened to my {$2500.00} that I already paid. Citi bank/home depot said it went to interest. citi bank/ Home depot is deceiving the Public ; Citi bank does NOT follow what is written on the contract. Citi bank/home depot is practicing balloons loans in a differnt way. what is written on the contract is NOT respected.

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