BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/19, XXXX  XXXX charged me a {$100.00} pet fee for bringing my dog into the airplane cabin during my flight from XXXX to XXXX, XXXX. 

The Bank of America Premium Rewards Credit Card advertises a benefit called a {$100.00} Airline Incidental Statement Credit for purchases such as airline incidentals. There is no exclusion on airline incidentals being limited to certain items on the BofA website, as it uses the term of art such as to only provide examples of airline incidentals ( not limit them to specific items ). 

When we requested the Airline Incidental credit for the pet fee, Bank of America denied it because they said this was like a pet needing its own airline ticket to travel, and tickets are not incidental fees. This is not true. XXXX XXXX own website calls it a {$100.00} pet fee. We do not control how or what the airline reports, and BofA said certain airlines are excluded from the Airline Incidental credit. This is fraudulent and misleading on Bank of Americas part to promise a benefit to customers and then retract it by claiming a pet fee is a separate ticket, or that all of a sudden, XXXX  XXXX is not eligible because of the way Airline Incidentals are coded. 

I dont think BofA should be allowed to post fraudulent and misleading information on its website promising an Airline Incidental Statement Credit when they do not honor a common sense interpretation of a pet fee traveling with an airline passenger to be a fee incidental to airline travel.

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 2021-08-05
Company: CL Holdings LLC
State: VA
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 received a court summons to appear on court for {$3400.00} credit card debt from a collection agency in Colorado. I called the number on the summons I explained to XXXX that I never received a XXXX credit card. He told me that ( XXXX ) XXXX had been sold to XXXX in XXXX. 
I reviewed my emails and bank account transactions. I did have a XXXX card since XXXX and had paid through automatic withdrawals from my bank account. I had never missed a payment. 
Also, I explained that I did not receive any notification from XXXX and that there is no record of a balance. XXXX had no record of my credit card and that I wanted to know why the amount was so large. By going paperless, I am not able to retrieve the card number or the monthly statements Emails are the only source of communication with XXXX. The maximum credit granted to me was {$1500.00} and I had stopped using the card and wanted to pay it off XXXX told me that he could reduce the amount I owed to {$2300.00} and I must pay in one or three payments. I explained that I could pay {$250.00} a month to settle this debt. XXXX threatened me by saying you owe this money and reminded me of the court date. Another person came on the call and told me the only offer available to me to settle this debt was {$360.00} for 8 months, I reminded him that I did not have any statements and still needed more information. 

XXXX told me that this was the only option for me. So, I agreed to his terms Please let me know if this is a legitimate XXXX  legal process for a person in this situation. 

Thanks in advance for helping me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt that is well beyond seven years of age. The CBE Group continues to contact me about this debt even though its well beyond seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: HI
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:
Dispute filed XX/XX/XXXX. Received update on dispute XX/XX/XXXX. Dispute investigation verified the information I was disputing as inaccurate ( two accounts belonging to someone else listed on my report ). I called the bank who holds these accounts, and they have no record of me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: JPMORGAN CHASE & CO.
State: MA
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:
My wife opened a chase bank credit card a few years ago. A year ago she added me as a " user '' and I received a card in the mail with the exact credit card number. I recently viewed my credit report and noticed that Chase Bank had added that account to my credit report. Therefore, my credit utilization is much higher and one credit card balance is on two credit reports. My major concern is that we never gave Chase my social security number. And I was quite concerned that somehow Chase was able to access it. My understanding from online research is that this is prohibited. I just wanted to report Chase ' using this practice. And possibly get an answer as to this practice is legal. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute letter for the XXXX XXXX XXXXXXXX account on XX/XX/2023. I have just checked my credit report and I see that the account is not marked as disputed. This is a violation to have misleading information and inaccurate information about the consumer. I have also asked for this account to be updated. There are still several sections that is not reporting accurately. 
According to the Fair Credit Reporting Act- A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ; 15 U.S. Code 1692e False or misleading representations ; Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

According to the Fair Credit Reporting Act - Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681b and to limit the furnishing of consumer reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also, the XXXX XXXX XXXXXXXX account number is not reporting the same for all 3 credit bureaus. These violations have caused damages in my familys life. I would like for this entire account to be deleted. 
Here is my account information to us during the investigation into this matter. 

XXXX Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Reason : inaccurate information and failure to update Equifax Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same. 

XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Inaccurate information failure to update and account number is not same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX keeps sending me my set of files that are old and outdated when they denied my complaint. These are dated back to XX/XX/2019 and the files of XXXX XXXX  appear to be in total disarray. I am attaching a letter dated XX/XX/2019 that refers to the {$1700.00} charge dispute from XXXX XXXX XXXX  XXXX  XXXX that is FRAUDULENT. 
Later I received a letter from XXXX dated XX/XX/2019 that I also let my spouse read that stated my account would be credited in 10 business days based on the new information I had submitted to them. I kept faxing them that week the deadline was drawing near ( The XXXX Fraud Department ), and did not hear back from them after the 10 business days passed. Capital One took over the XXXX XXXX / Walmart accounts and there was about a 3-day blackout where I could not get my balance to see if it was correct. The first day I could log back in I could see the credit was missing and called Capital One. It took almost an hour but the XXXX XXXX  Fraud Department was contacted and Capital One was told they needed 5 additional business days to apply the credit due to the transfer of accounts. When they time frame passed, again nothing was done and the Fraud Department told us that they were no longer servicing any of the old Walmart accounts. This is poor business practice at its best and even worse customer service. XXXX XXXX  was not following though on their promised and were sending outdated and incorrect information to the Consumer Financial Protection Board. I wonder if the Comptroller of the Currency and the FDIC if you are a federal bank of the State Financial Board if you are not are going to be as tolerant as I have been through this process. You are sending false information to a federal banking regulatory agency and it will be noted in the files.I would like to receive a FULL report on my case and all the paperwork ( not just the old paperwork you keep referring to ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I opened a Pay Pal account to process a credit card payment from an embroidery sport coat project for a customer. Pay Pal will not allow me to transfer the money collected from the payment from my customer into my personal to pay my vendor and my personal credit card. 
They asked me to provide an explanation for the type of business that I have which I did. Then they asked for a copy of my drivers license, Business Tax Certificate from the state and a copy of a utility bill with my name on it, which I provided.

I have been trying to egt this resolved for two weeks.

I was told the my account is on restriction. and that I will not be able to resolve this issue for 180 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been receiving phone calls from various numbers associated with XXXX XXXX for over two years now. They rarely leave a message and I have never received anything in writing stating what debt it is that I owe. They will also call XXXX or 5 times back to back and outside of the allowed times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have reached out to the credit bureaus about the incorrect information on my credit report recently. I addressed all issues that was incorrect on my credit report I have yet to get a response or correction about my concerns. It is my right to address my credit according to 609 rights. This is not my debt and I demand it be removed according to those same rights aforementioned!

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 2023-08-14
Company: EQUIFAX, INC.
State: WI
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 is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint # XXXX This complaint is not resolved. The loan servicer continues to send me incorrect information in response to the Question " Who owns my loan? '' Rushmore has told me the owner is XXXX XXXX  on approximately 10 occasions. However, XXXX XXXX  has clearly told me and Rushmore that they are not the owner nor does XXXX XXXX  have any authority to make any decisions regarding my loan. This also conflicts with Rushmore 's statement 's as Rushmore has told me they speak with the owner regarding the decisions on my loan - including loan modification, payment proposals, and foreclosure. 

Please help me as Rushmore continues to give me the wrong information and then pretends the issue is resolved. An incorrect response is not acceptable.

Please help me get this resolved as Rushmore has also made multiple miscalculations on my loan balance and is then using this incorrect information to begin Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX CLAIMS I HAVE AN ALLEGED DEBT. 
XXXX HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS XXXX HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C XXXX IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D XXXX IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J XXXX EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING LVNV FUNDING LLC & XXXX XXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 
XXXX 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I used XXXX XXXX ( XXXX ) for an XXXX  problem back in the summer .I was billed {$680.00} and let them know that I was paying {$200.00} installments. They were ok with it. After I paid it off I received a letter from a collection agency CMRE that I owe {$280.00}. I called them and talked to a representative called XXXX and asked me to send my bank statements to prove it. That was XX/XX/2019. She told me I would receive a payoff statement. I have not received that payoff statement yet. The funds have cleared my account and there is no reason for me not to have received my payoff statement after 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief