BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: KEYCORP
State: AK
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I closed my savings and checking account at Key Bank. Both accounts where started in 2013. I did not opt in to overdraft protection. After closing the account, key bank paid debtors I was unaware of in overdraft and charges overdraft fees totaling XXXX They made no attempt to contact me until months later, and where unwilling to work with me at all at a branch. In accordance with the law, I want the charges stricken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
case # XXXX acct. ending in XXXX I have tried for months now to work with Capital One on my dispute with the company I don't know what more they could possibly want from me long story short I returned some damaged merchandise to the merchant I provided tracking information in the Box weigh the proper amount it was received and signed for and nobody had any issues with it until Weeks Later then all the sudden the merchant claims they didn't get it that went back and forth for awhile and that's when I decided to ask Capital One for help and I disputed the transaction I provided all the information it's not like XXXX and XXXX or the post office are going to lie for me the carrier confirm the package was delivered there were no problems and I gave all this information to Capital One and somehow they decided against me in their most recent letter they sent to me they told me that they didn't have all the information they needed and I asked them what the information was they said they needed a copy of the receipt the invoice which keep in mind I've already provided but I went ahead and provide it again and now they send me another letter and this time their excuses they're going to go with your original decision they told me the last time that the reason they decided against me was because they didn't have all the information so I provided all the information for about the third time I send everything back to the merchant I provided overwhelming proof of this and Capital One still has not refunded my money why are they not following the federal consumer laws that are on the books they have an obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 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 2021-09-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Continental Finance Company, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account with Continental Finance/Cerulean awhile back. This month I received my statement the day after the due date. I immediately attempted to call them to let them know in hopes to avoid a late fee. The number they list on their statement and on their website goes to an automated recording and does not give you the option to speak with a representative. The only way to talk to someone at this company is to claim you lost your card or it was stolen which I did and finally got a rep on the phone. I explained my situation and they told me they could not help me with the situation or remove any late fees.The only thing they could do was take a payment but I had to again use an automated system and that they would charge me {$10.00} to pay my bill. Why would any company charge you to give them money? I could not believe that based on my situation and calling them to resolve it that they would charge me to pay by bill! After several tries with the automated system that didn't work I was told I had to be transferred to a payment processing team. Upon transfer, I was hung up on, I called back, I was hung up on again, I called back a third time and again, I was hung up on. So I went online to their website to see if I could talk to someone or make a payment. Again, only phone number with automated options, none to talk to a human being. So, I just attempted to pay my bill online, entered all my information, double checked it and it would not accept it. This company appears to be predatory and seems to make it impossible to get your statements on time, to communicate with them, or give you easy options to make payments. It seems they are doing everything they can to make you late, charge you fees and hurt your credit rating. I am writing the CFPB to make them aware that this company is predatory and not operating in a trustworthy manner to warn other consumers.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2021-09-30
Company: Mar Joe Enterprises
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an alleged debt of {$42.00} reported on my XXXX credit report by MarJoe Enterprises. They " verified '' the debt belonged to me. I then sent a letter to MarJoe Enterprises disputing the validity of the debt. They did not respond within 30 days, and still have not responded to validate the debt. I disputed the debt again with XXXX submitting proof that I had sent a letter to MarJoe Enterprises with a return receipt and that they had not validated the debt. XXXX again " verified '' the debt was mine. 

MarJoe Enterprises has not validated this debt with me. They've refused to respond to my inquiry. They are obviously a bad actor and should be banned from debt collection due to their inability to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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:
I have tried multiple times disputing this information with XXXX XXXX and all three credit bureaus. XXXX XXXX informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports immediately.

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 2016-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have applied for a loan through XXXX as part of the XXXX upgrade program. Two years in a row, Citizens Bank rejects my application. I have no debt and no issues with credit, and yet I am continued to be rejected by this bank for no legitimate reason and no explanation. I have given the bank XXXX different credit cards, so they can check my credit to no avail. They clearly have written an biased algorithm into their process through which I can not get any pass through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received an alert from my credit card alert that an inquiry was placed on my credit report. The creditor was a collection agency from Sunrise credit. I called the number that was attached to the inquiry because I did not recognize the account. A representative said it was from XXXX XXXX XXXX XXXX  and they sent me a letter, which I did not receive. I told the representative that I moved out of state and did not receive the letter. She said that it was from XXXX XXXX XXXX and I have to pay it and I asked her the amount of the debt and asked can she send me the details. I did agree that I use to have XXXX XXXX XXXX but the amount mentioned was not correct so send me details. She said if you know you owe them than you had time to pay before it came to their office. I explained that I moved and did not receive a call nor letter from anyone in last 8 months. I did mention I owed XXXX XXXX XXXX {$400.00} not {$800.00} and I was willing to settle for the {$400.00} and she said no because I had time. So I said I will not pay until she send me details and she said it will continue to report even if she sends it. Remind you, I called and I gave them my updated address .. next day I received another inquiry on my credit on XX/XX/XXXX so thats 3 times within one week on the same credit bureau XXXX and the other two credit report companies as well. I feel this is illegal and a threat because I called and ask for details on debt and I was willing to settle and sunrise said no. So I feel they attacked my credit report illegally and did not contact me appropriately before placing debt on my credit report. If they contacted me when they received the debt and I refused to comply than I can understand their reason BUT since NO communicated with me, than definitely no acceptable for what transpired. Please have inquiry removed immediately! They should NOT handle the situation the way they did.

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 2020-04-07
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX  XXXX {$320.00} XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX XXXX {$0.00} XXXX  XXXX {$33000.00} XXXX XXXXXXXX {$1200.00} XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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 have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a XXXX balance.

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 2015-08-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I submitted an application for refinance XXXX 2015 to Chase. I returned documents nearly immediately upon request and was told everything was good and clear but that the underwriting team was a bit backed up. Over 3 month later, I was informed that my loan was rejected due to the condo building not meeting an agency guideline. I understand that this eligibility criterion is not set directly by Chase, but this issue should have been identified and communicated much earlier in the application process. I could have gone to another lender who specializes in portfolio loans long ago. This has cost me the ongoing higher rate of interest, missed opportunity to lock in where interest rates where when I filed the application, and the Chase application and appraisal fees. Furthermore, my condo building has a certificate from Chase that the building has been " pre-certified '' for lending with Chase, and I provided a copy of this certificate to Chase. Also, I was told by the Chase resolution team that my loan was not considered for a non-agency loan because I do not have sufficient assets for a non-owner occupied property ; however, the mortgage officer only requested statements from XXXX account that he believed was sufficient to clear underwriting requirements. I have additional assets for which documentation was never requested, so any decision around the adequacy of my assets should not have been made without the full picture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022 at XXXX, I contacted the National Recovery Agency via phone at : XXXX, after reviewing my credit report and seeing their company listed a Creditor of a collections account for {$500.00}. However, when I called them to get additional information that they could provide about the account, the gentleman who answered the phone was very rude and unprofessional and began to talk over me and did not allow me to ask questions. After a few minutes of asking questions, he then stated he was on a recorded line. When I also advised him that I was recording the call for my protection, he immediately hung up the phone. I immediately called back and a female by the name of " XXXX '' answered and asked if I was XXXX and if I lived in XXXX XXXX, XXXX After I answered and asked if she could give me additional information on the account, she rudely replied, " That's why he hung up on you '' and she hung up the phone as well. When I called back again the same gentleman who I first spoke to answered again and proceeded to hang up the phone yet again. I then called to XXXX and spoke to the representative who stated this company had provided a response for the dispute and verified everything was accurate. When I asked the representative at XXXX to explain their process of verification, she stated they verify with the creditors if the information was correct. I felt this is NOT a fair investigation because of course the CREDITOR will always say it's accurate. These are unacceptable practices by the Credit Bureaus as well as the creditors. They also failed to provide me with any information to verify the medical bill such as a copy of the bill with the date and time that I was supposedly seen at the hospital for verification purposes. I am certain that bill does not belong to me, due to the fact that I have not gone to the ER for ANYTHING within the last seven to eight years. And when I contacted XXXX XXXX XXXX XXXX, phone number : XXXX, the only hospital that I have ever been a patient, they had NO information of me having a collections account or outstanding bill. And when I tried to contact the original creditor XXXX  XXXX XXXX XXXX, they are no longer in business. There should be more protection for consumers. These companies are often times rude and disrespectful. And use scare tactics to bully and threaten consumers into paying for things they do not owe. This is unacceptable and unethical.

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 2016-10-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting a XXXX account on my report. I have sent several validations letterrs and they have not followed through and showed my paperwork that this is my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
1 : Mailing Address is incorrect. 
2 : Date of Birth, is incorrect. 
XXXX issues are with EXPERIAN 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 2016-03-17
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I completed my whole lease agreement with every payment on time and gave notice 60 days before my lease expired. I do not know this agency anything and feel this is a scam. I called the original complex and they have a whole new staff with no data at all. Please help assist me. This is not right or fair when I did what was called on me to do.

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