BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Control is tryin to collect debt that I am unaware of. I asked for Validation of debt. I do not owe credit control. Please see attached document.

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 2021-04-13
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello, This morning ( XX/XX/21 ) I received a call at about XXXX XXXX saying that {$340.00} was charged to my XXXX card for an order at XXXX. If I did spend this money I was to do nothing. But if I did not spend this, I was to call this number XXXX XXXX XXXX XXXX. I did not spend this money, but rather than calling this number, I chatted with an XXXX representative through the customer service section at their website. The XXXX associate told me this phone number was not associated with XXXX, and then verified that nobody from XXXX called me. He also told me not to call the number and not to give out any of my credit card info. The associate gave me a link to send this report to you. 

Thank you for your attention to this matter. 

Sincerely,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Grain Technology, Inc.
State: OR
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 XXXX XXXX entered into a consumer credit transaction with Grain Technology on XXXX A consumer transaction in which a finance charge is involved XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge does not include cash, but Grain Technology took cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Checking and Savings account with Citibank using the following link : XXXX : XXXXXXXX XXXX & ProspectIDXXXX The following link has been taken down but the archive of the link and what it contained can be seen using the following link : XXXX XXXX XXXX XXXX XXXX XXXX Basically, you open an account with the first link I provided during the promotion period which was XX/XX/XXXX - XX/XX/XXXX, deposit {$15000.00} within 30 days of opening the account, keep the balance at {$15000.00} or higher for 60 consecutive calendar days and then wait up to another 90 days to receive {$400.00}. I opened the account on XX/XX/XXXX, I deposited {$15000.00} on XX/XX/XXXX, I completed the 60 consecutive calendar days on XX/XX/XXXX, I withdrew {$5000.00} because I completed the promotion but kept {$10000.00} to avoid the monthly fees and then another 90 days was waited which was XX/XX/XXXX. I have tried multiple times to reach Citibank regarding this offer, I have faxed proof regarding the promotion I signed up with and they are unwilling to help me and don't recognize any promotion existed. I will be attaching everything to this case.

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 2021-05-14
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Dear Sir/Madam, I bought two Visa gift cards ( issued by US Bank ) in XXXX on XX/XX/2021, with {$500.00} loaded in each card. When I tried to register these cards, I was told they were not activated. I then noticed that the last 4-digits of the cards do not match the last 4-digits shown on my purchase receipt. I called XXXX immediately to report this problem and hope to find a solution. They asked me to fax them the documents, including the receipt of the purchase and the photocopy of the cards, and I did this on XX/XX/2021. I called them today ( XX/XX/2021 ) to check the progress of the investigation, and they said they can not do anything unless I can show them I bought the cards that I have in hand. This is what I can not supply because the receipt is showing different cards were activated. Because they know which cards have been activated because the receipt has the last 4-digit of the activated cards, I asked them to deactivate and issue replacement of the cards shown on my receipt, but they refused. Please help to solve the problem. The photocopy of the cards ( front and back ), the photocopy of the card package ( front and back ), and my purchase receipt are attached as the supporting information for the complaint. Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, My loan is a XXXX loan. Because of the pandemic, I was under the impression that the payments were halted till XX/XX/2022. The company claims that they are not federal loans, but they are not private! The loan is issued through my school. 

I've made payments ( though not all ), but the company recently sent my debt to collections with almost no warning. I have called both the company and the debt collection company, and they gave me a phone number to my school that was disconnected. I simply want to make my account right and get things on a payment plan ( it is utterly insane that ANYTHING is due IN A GLOBAL PANDEMIC, but I digress, as we live in a country that puts profits over people ). 

How is a student loan companyFOR A FEDERAL XXXX LOANaloud to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or Navient, nor have they responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has reported late payments that are false On all XXXX reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: NCSPLUS INCORPORATED
State: SC
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:
XX/XX/2017 for the amount of {$490.00} Collection placed on my credit profile with no knowledge of contract or ever doing business with this company.

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 2019-06-30
Company: EQUIFAX, INC.
State: GA
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:
With XXXX I have 42 inquiries that I didnt make I have made several attempts to dispute them but they keep going up Same With Equifax I have 81 inquiries I have had no progress with the bureaus it is fradulemt activity if I dont have an account attached to it I did not make it. 
A good portion of these inquiries I was under the age of XXXX in the state of Georgia that is illegal they are not any help. Please Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX / {$4100.00} / XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX / {$3900.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/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 non-monetary relief
Consumer complaint received 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had this Capital one Credit Card since XX/XX/XXXX, I reported one of the transaction as fraudulent which happened way back in XX/XX/XXXX. I reported this on XX/XX/XXXX, the agent said it will take 30 days to investigate the matter, yesterday I received a Letter from Capital one which said " dispute has been resolved in my favor and the credit of {$450.00} will be applied in my Credit card Account '' ( See the copy of the letter attached ). 

See how deceiving Capital one bank is ... 

Instead of sending me a check they applied to my credit card Account which was closed way back in XX/XX/XXXX, I do n't owe any money to Capital one as I had a settlement with the Bank, I had to make three payments of {$350.00} and that was it ( see the settlement agreement I had with XXXX XXXX, XXXX XXXX XXXX XXXX, attorney of capital one - attached ) When I called the customer care, I was told that I had a balance of {$1100.00} on the credit card and this {$450.00} will be applied to it. Now, what the XXXX? 

why would I in first place, put a charge as fraudulent when I am not going to receive it? Why I had to fight for it when I got nothing out of it? why the customer service agent told me when I was disputing the charge that I am not going to get it. 

What is the meaning of having a settlement with the bank when you still owe to the Bank? 

I can not access my Capital account online, Capital one has blocked it, so how can I see what is applied and what not? 
From XX/XX/XXXX since I had settlement with the Capital One Credit card, I have n't got a single statement from them telling me I still owe to the Bank. 

I spoke with " XXXX '' ( Employee ID - XXXX ) in the fraud department of Capital one yesterday and she said from now on Capital one delinquency will not be visible on my credit ( XXXX, XXXX, etc ), Now Mam, it is not visible from XX/XX/XXXX, so what are you talking about, you are not saying something new. 

I had issue with capital one before too and reported it to this website, I got a call from " XXXX '' from Capital one executive office, now, whenever I call her back on " XXXX XXXX XXXX XXXX '' it goes on voicemail and she does n't responds, I would like the consumer finance to take a strict action against this company, recover my money and punish them to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I continously receive mail related to a mortgage payment from Ditech- a mortgage servicer. In XXXX I received a XXXX to XXXX after Ditech dismissed the foreclosure case because of forged signatures and the wrong loan amount. 

I received a " XXXX of XXXX of XXXX XXXX XXXX ''. This came from XXXX XXXX, the admitted owner of the note. I only have XXXX mortgage. 

Ditech continues to attempt to collect on a mortgage when I, the property owner received a release of deed of trust because Ditech admitted in court that the title company forged my signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX, I contacted XXXX via online chat to resolve the inaccuracy of the final bill for service. I switched carriers in XXXX 2020 and have been overcharged ( double to be exact ) for the final XXXX bill. I have included a copy of the online chat showing the representative saying I was not charged a late fee and later in the chat he tells me I am being charged a late fee. I am not denying the debt however being charged an additional month/late fee seems to be unethical from XXXXXXXX. As a consumer, I don't understand how this company can overcharge their customers! XXXX keeps sending the debt to different collection agencies instead of correcting the bill by showing the CORRECT amount due. I can not freely give away hard earned money to a company who is purposely overcharging customers and will not be honest about charges incurred. The chat is attached for your review. Once again, XXXX has sent the debt to collections ( Source Receivable ) instead of correcting the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Navy Federal Credit union does not want to connect with XXXX XXXX account. If tells me my login info is incorrect but it 's not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
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 status incorrect

Complaint:
I received a copy of my credit file ( # XXXX ) and I observed the following errors : XXXX XXXX XXXX # XXXX : Pay status shows a chapter XXXX bankruptcy XX/XX/XXXX which is inaccurate. There is no record with XXXX XXXX County of me filing a chapter XXXX bankruptcy on XX/XX/XXXX. The date closed is inaccurate as well stating the closed date was XX/XX/XXXX. 
XXXX # XXXX pay status shows a chapter XXXX bankruptcy on XX/XX/XXXX which is inaccurate as well. The closed date is stated on the same date that they claim the chapter XXXX bankruptcy was filed, XX/XX/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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX acct # XXXX, XXXX ) XXXX  acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 604 A States I have rights to privacy.

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

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 2022-04-04
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$930.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX XXXX XXXX XXXX {$760.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$1200.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
The child support account reporting on my consumer report is incorrect and having a negative impact on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a car from XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, MS. Near the end of the loan paperwork XXXX said GAP insurance was required by Credit Acceptance in order to purchase the car. I asked if it was necessary even though I already had auto insurance? He said yes so I signed. The amount was an additional {$670.00} to my loan. My name is XXXX XXXX. XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS XXXX. XXXX or XXXX. My mother XXXX XXXX also purchased a car from XXXX XXXX XXXX & had to purchase GAP insurance with Credit Acceptance. Her phone number is:XXXX. She bought a XXXX XXXX XXXX. I bought a gray XXXX XXXX XXXX 09/03/16. XXXX XXXX XXXX number is: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 2017-10-08
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan from US Bank. I was pre-approved with a XXXX XXXX of XXXX and income over {$150000.00} per year. At the last minute, after XXXX extensions, my loan was declined due to litigation against the HOA of the property I was purchasing. When I received my denial letter, it stated I was denied due to my income and credit report. They even included the credit report of XXXX with the denial ... .. I have been requesting a letter for the correct denial since XXXX/XXXX/XXXX. US Bank will not send me a correction. I am in need a correct letter to file suit against the realtors and owner of the property.

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