BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency named IC Systems is reporting that I have a {$570.00} debt with XXXX on my credit report. When I found out about this, I contacted XXXX immediately. The informed me that a large portion of that debt was for unreturned equipment. I made arrangements to return the equipment, and did so. Once the return of the equipment was registered, the rep at XXXX  told me that I still had a remaining balance of {$190.00}. I tried to pay XXXX   directly, but they told me that I had to resolve the remaining {$190.00} with IC Systems. I have been in contact with IC Systems directly, but they are still trying to collect the full {$570.00} balance. I have explained to them about the revised balance, due to the return of the equipment, but they refuse to acknowledge the adjusted amount. I've even given IC Systems contact information to the people I dealt with at XXXX, but they refuse to follow-up and confirm the changes. I have no problem accepting responsibility for any balance I have, but I refuse to pay a collection agency {$300.00} more than I actually owe, and its illegal for IC Systems to continue to ask for more than the actual debt is.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX ( Original Creditor : ) XXXX Balance : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
THERE ARE 60 REPORTING VIOLATIONS WITH THIS ONE ACCOUNT WITH TRANSUNION ALONE. XXXX ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE 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 explanation
Consumer complaint received 2020-12-23
Company: JPMORGAN CHASE & CO.
State: NY
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:
My card was charged on XX/XX/20. The order was cancelled on XX/XX/20. Seller printed a label on XX/XX/20. The seller ignored complaints to the XXXX and the FTC. They only responded After a complaint was filed with the FBI.After to many emails to count, USPS did not receive the items until XX/XX/20. A second shipment was made on XX/XX/20. The seller informed the XXXX  that I would not be charged for either shipment, as per FTC regulations. Chase Bank refuses to credit my Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In preparation to close on XX/XX/2020, I was asked for a Loan Pay Off Statement. I called XXXX XXXX, which is who was the original name on the loan and was then notified that the loan was transferred over to BSI Financial. Once I was connected to BSI Financial, they sent over payoff statement showing that there would be a {$15000.00} extension fee which included a {$300.00} inspection fee, and a {$2200.00} escrow charge for taxes and insurance. I already paid the insurance, so I do not understand the charge. 
I called BSI to ask about the two above charges and they were very rude telling me that in the small print it states that there may be an  extension charge. They would not answer nor discuss any thing with me. When I asked for them to send the paperwork on where I signed for an extension, they sent over someone elses paperwork. This shows me that they typically have paperwork for extensions. They never had me sign nor even discussed with me about an extension. 
The said the loan was due at the beginning of XXXX some time. I did not receive any documentation stating that the loan was due. Nor did I receive any documentation about extending the loan nor agreeing to any fees. I was not given the opportunity to see what other actions I could have taken without being hit with a {$15000.00} fee! In XXXX I did receive a call asking me if they wanted me to take the loan payments out of my account. They stated at the closing that was me giving them authorization to extend the loan. No where on that call did she state that by me giving them authorization to take the money out of my account meant that I was agreeing to be charged an extension fee OR that I was even extending the loan. 
Attached are all the documents that I have pertaining to the loan via me and XXXX XXXX/BSI Financial. In the original documents received from XXXX XXXX it stated that I would receive written notice. I do not understand how a financial institution can charge a large fee without having anything in writing. All extension with their other clients appears to be in writing giving them authorization to extend the loan. ( A sample is attached that was accidentally sent to me from BSI ... they were  telling me that I signed an extension. When I received it, I realized that it did not belong to me and they had it filed under my account. ) I was not granted the same opportunity as this other person ... .to sign and agree to the extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXXXX/XX/XXXX, i opened a Walmart credit card account ending with XXXX, and payments were made to Walmart 's service company XXXX   XXXX. 

Account was in good standing before XX/XX/XXXX took over. So much so that XX/XX/XXXX sent me a check for {$340.00} for over payment and then i was denied access to my account and the account as it stands is {$54.00} over payed. 

Sometime in XX/XX/XXXX, XX/XX/XXXX became the service company for Walmart and the account was in good standings. 

On XX/XX/XXXX the credit card account was interrupted and I was told there was a restriction hold on the account. 

On XXXX XXXX, I called into the designated contact number to remove the hold ; I identified myself by answering all security questions ; i was sent a verification code via text, and i was denied access to the account after verifying my identity. 

I then was given a link to send in my identification ( ID ). I sent both my XX/XX/XXXX ID issued by my XX/XX/XXXX government, and also a credit card, as a 2nd form of ID. 

On XX/XX/XXXX, i was called by a representative XXXX from the fraud department, and she denied me access to my account, i asked for a supervisor. i then spoke to XXXX, employee ID number XXXX who also denied me access to my account. I asked for her superior XXXX, employee ID number XXXX and he also denied me access to my account because they stated they were not able to use my tribal identification issued from a tribal government for verification. i asked them for their policy in writing, they all refused. XXXX, XXXX and XXXX all denied me free access to my account based on my nationality as a native XXXX of the XXXX XXXX tribes, which is discrimination, especially since i am the originator of the first funds, and since CAPITAL ONE is a third party and the original creditor. I have been a customer for many years with the account in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Remove the information from my credit 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.

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 2021-03-09
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not sure where this came from was told debt didnt Exist and was not mine I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that proof of the alleged debt, nor therefore any such debt, in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BOA instead of declining my debit card for being {$8.00} short on the charge to XXXX 's they charged me a {$12.00} overdraft fee. I have had this conversation with them several times and have told them to always decline the card if there is not sufficient funds in the account to cover the debit and the rep assures me they will. I talked to a very rude supervisor XXXX @ XXXX XXXXct after holding for 15 minutes and she declined my request. I asked for a supervisor and she told me it would be a very long wait time. I decide to get help this way instead. As you can see on the uploaded document the transaction is still pending yet they have deducted the 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 2020-09-17
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an Apple account in XXXX 2020 and never charged anything on it. Some apple charges from my phone went on the account that I was not aware of. The company then proceeded to send digital invoices to an old email account that I have not used in over 8 years, since changing my name. My apple ID had that account as the name of the account, but NOT the email associated with it. 
The company then sent email notices only for a few months before finally notifying me by mail of the balance owed. The day I received the notice I called and paid the balance in full. Now the account is reporting a balance due after the account was paid in full. The account is closed, yet it is still being reported as open with the balance due. 
With all the email problems that occur, for anyone to limit communication with customers to email only and then send that correspondence to the wrong email should be criminal. It should be illegal to report late payments in this situation and there should recourse for consumers who find themselves in this situation. I have not one single late payment in over 8 years and now this situation can prevent me from purchasing a home. I am more than upset and think Apple not be allowed to offer these services if they are going to create these kinds of situations for their customers. I will sell my stock, get rid of my XXXX, XXXX and XXXX over this situation. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello. 
On XX/XX/2017, I did Global Transfer at citibank from the U.S. to the XXXX XXXX and I closed my account. Transfer amount was USD XXXX. 
However, it did n't work and monthly service fee keeps being charged. 
I tried to contact with citibank, but they did n't respond phone call. Because I am outside of the U.S., the phone call is only way to contact with citibank. 
I do n't understand why the global transfer did n't work and monthly fee was charged even if I got receipt. 
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 monetary relief
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted Transunion about an error of a public record for a bankruptcy reporting from their agency. I told transunion that I wanted to dispute that information, and that I had never filed bankruptcy and that there was no bankruptcy reporting on my other credit reports and asked that transunion re- verify that information and provide me with the method and source of that information. I also contacted the courts in my state and the court stated they had no such records and that they do not give that information to credit reporting agencies

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 2017-12-16
Company: Navient Solutions, LLC.
State: CO
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:
XXXX XXXX is the business and the date is XXXX XXXX, XXXX! I wasnt even in Kansas and if i was i lived in XXXX  XXXX, Ks! The amount is XXXX dollars and its fraud! The company 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 2023-04-19
Company: Genesis FS Card Services, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
XXXX XXXX, XXXX, notices account status is reporting as " transferred ''. This is incomplete information, as the account was updated after discharge, and should reflect as such. I was informed by creditor they were still attempting to collect a debt, which is impossible, since this account was discharged in XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I went into a Macys store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from Macys for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit  from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from Macys in May..so that clerk apparently added this to the new account and did not charge my card.

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. Macys said they could not talk to them because  the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.

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 2022-12-17
Company: Experian Information Solutions Inc.
State: VA
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: Other problem getting your report or credit score

Complaint:
WHEN I LOG INTO MY EXPERIAN ACCOUNT I CAN NOT UPDATE MY REPORT I HAVE CALLED EXPERIAN NUMEROUS TIMES THIS IT WHAT IT SAYS,,,,,, Sorry, we can't show you today 's 3-bureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

EXPERIAN HAS A CURRENT COPY OF MY ID, SS CARD THEY ALSO HAVE A FTC REPORT AND POLICE REPORT THAT SHOW 'S I WAS A VICTIM OF IDENTITY THEFT NOT ONLY THAT I'M PAYING FOR THE PREMIUM SERVICE EVERY MONTH AND IT'S NOT WORKING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Account # XXXX, XXXX, XXXX has violated my rights. I have an open credit card late payment, that should not exist.

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 2022-12-17
Company: EQUIFAX, INC.
State: IN
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:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, has violated my rights, and i am also a victim of identity theft. 



15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 a 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 inaccurate.

Company response to consumer: Closed with non-monetary relief