BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX X/X/2013 {$1300.00} 2. XXXX XXXX XXXX X/X/2013 {$1900.00}

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 2023-03-31
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A {$1000.00} payment was made via bill pay on XX/XX/2023. The payment was made in error to my previous account # XXXX. 

Ford acknowledged that the payment was made but said the payment was returned to my credit union. 

Two months of statements were provided showing that the no payment was returned to my account. 

Emails have been sent to XXXX and there has not been a reply. 

I have been requesting that the {$1000.00} be applied to my account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Albert Corporation
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I randomly received a text messages from my bank notifying me that my pin number was successfully changed. I absolutely did no such thing. I immediately logged into my account and changed my password and pin. This happened again after a couple of hours. My online bank, Albert, does not have a way to talk over the phone. Only by text and email. I texted them the same day and explained the situation. They simply told me to change my password again. I did. A couple days later the same thing happened. That time there were some attempted charged that did not go through. I notified them again. They said there was no issue since nothing was charged. A third time pin change message was sent to me. This time i could not log in to my account. That same day i noticed i still couldn't log into my account. It took the entire day but i was finally given access to my account again. Immediately i noticed XXXX fraudulent charges. Very obvious ones. It took me XXXX days to be able to submit a dispute because of how albert bank is set up. I finally did. I was told the descion was that nothing will be credited to my account. I am a victim of fraud and albert bank did not take the matter seriously even when I notified them of a suspicious activity before fraud charged even happened. I have little money. Like many others i am struggling. And i feel victimized by albert bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: EQUIFAX, INC.
State: VA
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:
Disputed two collections on my report from XXXX XXXX one for {$780.00} and other {$700.00}. I originally tried to contact XXXX XXXX, they where rude and cursed at me. I disputed the collections with Equifax came back as verified. I am not responsible for this debt it's not mine. According to the FCRA XXXX is to have on record the and report to me these inaccuracies within 30 days. I sent the Method of Verification for these inaccuracies, the 15 days to respond has long come and gone no reply. Equifax is violating my rights according to FCRA, to verify a inaccuracies, to have on record a copy of this on file, to report to me in a timely fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am attaching the paperwork... I have had multiple payments not being applied to the payments, interest, extra on the loan balance, etc.

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 2017-12-19
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 have send Equifax several letters disputing inquiries that I did not authorize. for the following companies : 1.XXXX XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX I have faxed, called, and send letters disputing these inquiries in which Equifax has did nothing more but ignore my letter, faxes, and disputes all together. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
My chase auto finance account ( XXXX ) is showing 30 days past due in XXXX. This account was on a deferral due to COVID with a payment not due until XX/XX/2020 as stated in the attached letter. I submitted a payment on XX/XX/2020 to satisfy that agreement. Chase had added a 30 day past due to all three credit bureaus for the month XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Revenue Recovery Corporation
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
REVENUE RECOVERY CORPORATION Has stated I owe on XXXX account but in XXXX different ones at once!! I only used the XXXX Original Creditor. It has stated I owe {$38.00} and {$44.00} for the same thing. I was wondering Why, Do I owe on the same thing XXXX times when It was only for one thing. It was me getting XXXX from the company.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-09
Company: CITIBANK, N.A.
State: NV
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:
on XX/XX/XXXX my purse was stolen outside of XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Nevada a fraud charge was made on my citi bank credit card at XXXX XXXX store # XXXX XXXX XXXX NV for the amount of {$180.00}. I've called the citi bank fraud # XXXX multiple times to report the charge I've sent multiple letters and documents with no help from them now more then a month later. I paid off the account in full and tried again to report the charge and again no one can help me. I've verified all personal information with still no help from them. My other cards where also used at the same XXXX for much larger amounts but I had no issues with any of my other cards. I only have my old account to provide to you with citi bank and that's how I was able to pay off my account it's a citi XXXX card account # XXXX expires XX/XX/XXXX security code XXXX. Please help if you have anymore questions please call me at XXXX sincerely 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 2023-02-07
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act JPMCB Card Services has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. In 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This creditor falsely reported late payments after taking payment in XXXX, XXXX, and XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Capital One Personal And Business Credit Cards where closed without any further explanation. I have had both of these cards for over two years, I have a superior credit history and never have defaulted on any of my credit cards. 

CapitalOne Spark Business Credit Card CapitalOne Platinum Credit Card I called capital one to discuss the issue, No One at Capital one or their supervisors could explain the true reason or the cause of closing both of my accounts. I have called on many occasions to speak to Capital One, I am being discriminated and undervalued due to my ethnicity and I have asked Capital One and the Superviosr said to me in your area many people like you are defaulting and causing fraud After calling Capital One to ask for my account closure, every time I called Capital One employees and their supervisors gave me rubber stamped answers. Hence, that I would receive a letter and it will explain the closure. However, I have never received any correspondence from Capital One or their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
The information that is being reported on my credit report is not accurate. 
Company or Organization : DISCOVER BANK Account Number : XXXX Date that I discovered it : XXXX / 2019 Total fraudulent amount : {$15000.00} I have reported this information to FTC and will attach the file. This account, stated above, is fraudulent and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX changed story multiple times on an existing loan parameters. With misrepresenting along the way, I decided to pay the loan off. However Charged a late fee when XXXX wire payment was made in advance. Servicer decided to NOT apply payment and levied a {$1700.00} Default interest for a {$2200.00} payment payable XX/XX/2022. I sent proof of payment wire from XXXX XX/XX/XXXX in the loan amount billed. Furthermore, I have email evidence that NO APPRAISAL would be necessary if I did an extension on the current loan. However, XXXX went and ordered an appraisal and claims in documentation which says " may '' but I relied on the email from XXXX to confirm the costs of the extension. that was an additional {$550.00}. Prior to that, I was steered into setting up a new line of credit which cost me over {$2200.00} with the idea I could move the asset into that new line of credit. After being told I would be subject to origination fee of 1.75 % and legal costs and appraisal, I decided that would not make economic sense and did not see fair to treat an existing loan with current lender as if it was a 100 % new deal. They levied additional fees which are sunk costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had a Walmart card and this is the credit card is trying to destroy my credit. I have tried consistently to work with XXXX XXXX every month I get a 30 day late alert. First it was XXXX. Then I processed a dispute so XXXX XXXX deleted XXXX and put it for XXXX dropping my score again. I made my payment with rep of {$30.00} and I made it for 3 months. To receive this treatment I feel that this bank it deliberately trying to destroy consumers 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights according to the law. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is INNACURATE.

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 2019-10-17
Company: LEXISNEXIS
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:
Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, XXXX and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Self Financial 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:
A fraudulent account is reporting on my XXXX credit file from Self Lender/XXXX XXXX XXXX. I have been a victim of identity theft in the past and I have not had a business relationship with this creditor. I have attached a current police report filed with the XXXX TX Police Department & ID Theft Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from CHOICE RECOVERY INC # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TransferWise Ltd
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
- I used XXXX  ( formally TransferWise ) to send money internationally. 

- I sent {$4000.00} from my account in the US to my friend 's account in XXXX. The source account in the US has me and my friend as signatories. 

details : XX/XX/2021 TransferWise Inc / TrnWise ACH Trans - {$4000.00} - the money never arrived. it has been more than 2 weeks now. 

- XXXX claim the money was transferred successfully. I sent them a copy of my friends account printout in XXXX showing no such success. 

- XXXX claim the money is stuck in the receiving bank ( XXXX XXXX XXXX  XXXX ). they are probably right, who knows. But as far as I am concerned the transfer I hired them to do, was never completed and it is THEIR job to make sure it is complete. 

- As a response to me nagging them for days about this vanished {$4000.00}, Wise, very wisely, CLOSED MY ACCOUNT with no further explanation. 

- I demand that they wil do whatever it takes to COMPLETE the transaction or refund my {$4000.00} - I demand an explanation ( they refused to provide one ) why they closed my account. They mumbled something about " regulation I broke ''. Not sure what would be that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
This account was opened fraudulently, when I found out I called American Express right away to report that someone used my personal info to guarantee a business AMEX account. American Express refused to take accountability for not verifying my information, even though I had put numerous fraud alerts on my personal credit and told Amex before to verify my info before opening any account. Now my credit went down from around 800 points to XXXX - an almost 300 points drop for an account that was fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: DISCOVER BANK
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:
I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is XXXX with portfolio. 
Discover XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX and XXXX XXXX  also state they will remove their items from my credit report and to date they have failed to do so I am XXXX  as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.

Company response to consumer: Closed with explanation