BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Since XX/XX/2019, I receive monthly calls from Discover student loans about past due amounts. I have 4 loans. I make the payments and their computer system does not allocate the payments correctly. Often it overlooks the big loan and over allocates to the smaller loan. For over a year now, I have to call because they will not act on email or letter, and it wastes between 40-65 minutes of my time to get it reallocated. I get phone messages and hang ups from this company all the time. I was told that unless I signed up for direct withdrawal from my account, I would have to go through this every month. Finally after over a year, an associated stated that if I made 4 payments with separate numbers, that would fix the problem. I have done this. In the meantime, they are still showing an overdue balance that is not right as, once again, the previous month one payment was made and it was misallocated. For over a year and countless hours with harassing calls, I am at my wits end. I feel coerced in that they want control over my account and they waste my time every month to fix their computer error. I told them this was bad business practice and coercion. This can not continue and so I am filing a report. With all their bad business practices, they even compromised my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: WI
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:
We have disputed an item on our credit report that is inaccurate with the three reporting bureaus ( joint reporting ). XXXX and XXXX  corrected the error and removed the item. Equifax has not corrected the problem. 

The item in question is from XXXX XXXX XXXX AT XXXX XXXX XXXX for {$87.00}. It is disputed because it is not our debt. We have been over this time and time again with the apartment complex and with the collection agency. Their incompetence and intent on being malicious and intentional in attempting to collect this debt is becoming irritating and annoying. We have demonstrated that it is not ours through pictures, letters, e-mails and conversations. The collection agency recognized that it is not ours but still insists on not correcting it because they have to go by what XXXX AT XXXX XXXX says they must do. This insanity has to stop NOW! 

We are tired of talking and proving to these crooks that it is not our debt. We now hold Equifax accountable and insist that they hold their poor business practices accountable to their error and oversight and immediately fix this problem by removing it from both our credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: I.C. System, Inc.
State: KS
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:
On XXXX XXXX, 2021 I was alerted by XXXX that IC Systems Inc reported a collections account XXXX for {$350.00}. This is not my account and IC Systems Inc has never contacted me about this fraudulent account. I am a victim of identity theft. IC Systems Inc has had this account since XXXX 2021 and has never contacted me about account. Their tactics clearly violates my consumer rights to contest this fraudulent 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 2020-06-29
Company: JPMORGAN CHASE & CO.
State: AR
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 XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One utilizes deceptive practices when provided users with their credit card statement via email. On two occasions my payment has been late due to the fact that the email highlights the " Statement Close Date '' and buries the " Statement Due Date ''. All other credit card email statements I receives highlights the Statement Due Date and payment date. The manner in which Capital One disseminates the information on the email highlight statement it is easy for a user to miss the payment date and incur late fees. After presenting the emails I have received from Capital One to numerous individuals, they all thought the Payment Due Date was the highlighted Statement End Date and missed the Payment Due Date buried in the first paragraph. 

I feel this is done purposefully by Capital One in order to increase their late fee revenue rather than provide the consumer with an easy to understand email highlight statement of when and how much is due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
FIFTH THIRD BANK violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft. 
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave FIFTH THIRD BANK any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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:
I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 Transunion and XXXX has my credit score dropping over 38 points for transunion and 48 points from XXXX There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the transunion web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Excellent XXXX Updated XX/XX/2018 Calculated using XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft.

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 2018-02-21
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I retrieved a copy of my 3 bureau credit report and noticed that AFNI had placed a collection account on my XXXX credit report ( Account # XXXX ). I was notified through my credit monitoring subscription on XX/XX/XXXX that AFNI had inserted the account ( s ) on my XXXX  credit report. I have never did any business with this company, never heard of this company, nor have I received any correspondence ( dunning letter in particular ) from this company on the alleged debt they are stating is owed to them. I have no knowledge of who the original creditor is and no basis to justify my paying them for a debt that is alleged and not validated. 

Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI was required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. I DID NOT RECEIVE ANY NOTIFICATION FROM THEM. As such, AFNI should have provide me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherein he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. All requested documents must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete these errneous, unverifiable entries from my report and send a letter communicating such.

For AFNI to blatantly violate my consumer rights by placing these accounts on my report directly violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
PORTFOLIO RECOVERY re aged 2 accounts with XXXX XXXX showing they were opened in XX/XX/2018 this is fraud. They call multiple times a day claiming that I have a legal matter pending in their office and me or my attorney need to call them back. I have attempted to correct these items with XXXX, XXXX and Portfolio Recovery and they refuse to remove this false information from my credit report. The phone calls claiming to be an attorney continue from Portfolio Recover from various locations across the US. These calls are to my cellphone that is also on the do not call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: JPMORGAN CHASE & CO.
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:
Working with Chase bank, I attempted to dispute a reward point based credit card transaction. They said they would not allow me to dispute the charge since it was point based. The dispute is based on Chase 's internal Ultimate Rewards Travel Service which failed to notify me of changes to a flight. They became aware of these changes as documented by the XXXX  XXXX on the XXXX of XX/XX/2020 and did not attempt to notify me of this change until XXXX of XX/XX/2020. Due to the nature of airline pricing, by the time Chase attempted to notify me, I incurred almost double the cost to rebook a flight that would accommodate my originally planned needs. Redacted information from attachments is below. 
XXXX XXXX Reference number : XXXX Chase Ultimate Rewards Travel Rebooking Itinerary Number ( s ) : XXXX Chase Ultimate Rewards Travel Original Itinerary Number ( s ) :  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Early Warning Services, LLC
State: IL
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:
A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported twice on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on 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 non-monetary relief
Consumer complaint received 2018-05-12
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I was given 60 days in a letter to respond concerning my identity information, which I gave my whole entire information to the company escalation team to improve and or, approve my decision. I was never told that my credit score was an issue, therefore only to verify my identification through my phone number. Although, that didn't matter many times trying to register my phone number correctly and having to be manipulated to purchase phone for better resulted in a phone to my name, now more costly business. I was decline credibility from the company.

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 2021-07-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1681s ( b ) reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
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: Public record information inaccurate

Complaint:
I have entered a dispute to have this BK removed from my credit file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or  DOB in order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Direct Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Intimidating voicemails left to me intended for someone else. No right to call and disturb me, this number is not associated to persons name left in my voicemail. My voicemail greeting does not match name this company is looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I started being charged by BoA a monthly maintenance fee without warning. I suspect it's because they changed my account type ( from online to core checking ) without first telling me.

I logged into my account online to try and contact them, to figure out how to contact someone via email since I am abroad. There is a chat section in their " contact us '', but it is a dummy. I.e. supposedly some option have chat available, some do that but in reality none of them have a chat option. It's fake. 

I want to know why I'm charged these fees and have them reversed. I don't know why no one is contactable in a straightforward manner. It's actually frightening to see some of the options that do not have any support provided.

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