BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: FL
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 Account # XXXX and XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Kriya Capital, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from Creedence as well as my sons ( XXXX & XXXX ). 
They call us at least 2 times a day each for a debt that doesnt belong to any of us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
Experian will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )

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 2022-03-08
Company: Bread Financial Holdings, Inc.
State: AZ
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 cancelled a flight booked and paid for in XX/XX/XXXX when the Covid rates rose in XX/XX/XXXX. They processed a refund of all six passengers ( my family ) on XX/XX/XXXX. In the meantime, the credit card [ CC ] company ( XXXX XXXX then Comenity ) blamed XXXX. XXXX blamed the CC company. I spent over twenty-five hours in phone calls between the companies. It has been an endless cycle of blaming the other party. XXXX finally sent over the refund receipts for all SIX transactions. They gave me the transaction ID numbers along with the credit amount posted on all the pdf. I was instructed to file disputes to force the credit, per the CC. XXXX sent me the refund receipts on XX/XX/XXXX. I filed these with the CC company. I have called back multiple times to have them " find '' my refunded money. Often I will get told XXXX is the problem. I have spent close to 26 hours on the phone between the CC and XXXX. However, magically, ONE of the credits appeared when the CC was sold from XXXX XXXX to Comenity in fall XXXX. When Comenity took over the account, my husband, the card holder, credit was posted on XX/XX/XXXX. I called back at that time and was told the other refund credits were probably there but did not get posted as they are marked with our family member 's names ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and not XXXX, the card holder. The CC company has made close to {$400.00} in finance charges by NOT properly and swiftly crediting my account. Every time I call, I am told file a dispute and that takes close to 90 days and is ultimately denied. They have my money. They credited ONE of the SIX. They are not crediting the others while making close to {$400.00} off of not doing their job. I have no recourse between the finger pointing, the endless circle of phone transfer XXXX, and the waiting between denied disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I ordered a computer from Apple. 
I was told if I got the Apple Card I would get a 3 % discount on the macbook air. 
I was told I would receive a physical card in the mail if I requested it at the time of purchase. 
I requested the physical card at the time of purchase. 
Apple refuses to send me a physical card. 
Apple Card refuses to send me a physical card. 
They say I must use some app on my phone ( which I don't have and don't use ). 
I can not make payments through my bank without a physical card. 
The agent refused to identify herself except saying her name is " XXXX. '' Refused to provide any resolution. 
This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have communicated with USAA in writing and by telephone for almost two years regarding USAA Bill Pay. All of my complaints have been met with sympathy and promises to " look into the situation ''. All of my correspondence, phone calls, and faxes to USAA have been kept. Yesterday, I notified USAA that for the second month in a row, my payment to XXXX XXXX did not arrive. XX/XX/XXXX payment was never received by XXXX and to date, XX/XX/XXXX payment has not been received. Payment was due on XX/XX/XXXX. The USAA representative I spoke with said that XXXX payments were being sent electronically however for the last two months a decision was to make payments to XXXX by check. USAAs policy reads, Payments are issued electronically when possible, which takes 1 to 2 business days to process. For billers that don't accept electronic payments, a paper check is mailed through the U.S. Postal Service, which  takes about four days for delivery. XXXX continues to accept electronic payments, so why would USAA decide to mail checks in lieu of electronic payments when their policy states otherwise? The USAA representative initially said that XXXX was to blame suggesting they take longer to process checks once received. He is incorrect. XXXX processes payments on the same day the payments are received. The USAA representative also told me that USAA does not reimburse customers for the late fees they incur. Clearly, USAAs policy states otherwise. If the payment doesn't post on time, we'll cover up to {$50.00} in late fees, penalties or related finance charges. Over the course of two years, I incurred more than {$50.00} in late fees and interest. Therefore, I expect USAA to comply with their written policy and reimburse me no less than {$50.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Bank of America debit card was charged {$1300.00} from XXXX to XXXX. I submitted a claim to bank of America to have the money reimbursed. They did not side with me and stated the charge was authorized by me or by someone that has permission to us the card or account. This is not true. I did not make these charges. I appealed the decision, but I doubt the outcome with be different. It could take up to 45 days to get a result. In the meantime that {$1300.00} was supposed to be used to pay bills, and now I can not pay them. I asked that someone from the research dept, that makes these decisions, call me. I do not expext a call. Please help to get my money reimbursed.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
whom it may concern, after several attempts with the agency in which they still choose to ignore my request, I am requesting that the following information in my file be deleted & removed. I am a victim of identity theft because someone took advantage of me leaving my ID at my old address before I moved out along with other documents such as my social security card And have opened several accounts over the years and my credit score is being greatly impacted by this companies ' refusal to delete. I have sent my identity theft report to them via certified mail also have tried to upload it via online service, but the system keeps saying error that I reported to the Federal Trade Commission, and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt. it has been over 4 days and you are now in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. the Fraudulent Accounts are as follows XXXX XXXX OF XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, ALSO MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX NJ XXXX PLEASE DELETE ANY OTHER ADRESSES ON FILE

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 2021-04-16
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I requested a refund from the merchant XXXX XXXX XXXX  for their XXXX XXXX annual subscription service of {$1400.00} on XX/XX/XXXX. The purchase was made with a Chime XXXX XXXX card ending in XXXX with a split payment plan of {$720.00} on XX/XX/XXXX and {$720.00} on XX/XX/XXXX transaction, last year. There was a 1-year refund policy. The debit card used to make the purchase last year was disabled and replaced around XX/XX/XXXX, after the purchase. After the refund was requested by XX/XX/XXXX, the merchant processed the refund on XX/XX/XXXX for {$1400.00} to the old debit card which was used to make the purchase last year and provided a confirmation receipt that the refund was complete. The refund of {$1400.00} was still not showing in my Chime Checkings account after 10 business days, so I called CHIME support and the representative said that even though it was an old debit card, its still the same checkings account, so it should have processed through, but he found no refund was pending into my Checkings account, so I filed a claim dispute form enclosing the reference number of the refund from the merchant, along with the refund receipt and the confirmation email from XXXX XXXX XXXX. CHIME BANK refused to credit my account for the missing refund amount and closed the dispute as no error was made. Yet, I still dont have my {$1400.00} e-refund from XXXX XXXX XXXX showing or deposited in my Chime Spending ( Checkings ) account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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: Account information incorrect

Complaint:
A dispute regarding the amount of a charged off XXXX account was presented in late XXXX XXXX Credit score was XXXX at the time. After XXXX responded and confirmed account details. XXXX and Equifax score dropped to XXXX. The following week, Equifax updated credit report with company response as the reporting date for delinquent account and the score dropped to XXXX. This account was opened back in XXXX and charged off in XXXX or XXXX. There is no reason why the new reporting date should be XX/XX/XXXX. There is no new information on the account that has changed. A dispute response date from company should not be utilized as date of delinquency which they have factored in to determine my new score. The age of the account along with the status of account and all delinquent payments remains exactly the same after dispute was concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Avant Holding Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-04
Company: LEXISNEXIS
State: FL
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:
Ironically, the company claims that the complaint is not recognized by the company. Perhaps, the company should type in the web address from the attached credit declination letter from XXXX XXXX, if you type www.consumerdisclosure.com it clearly brings you to LEXISNEXIS RISK SOLUTIONS! 
Attached is a credit declination letter from XXXX XXXX dated XX/XX/2022. The letter advises that a report was utilized by the ISO Consumer Report Center. I am making my request within 60 days of the attached letter. Thus, please mail a complete copy of the report utilized by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: KY
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/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-04
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date Assigned XX/XX/2018 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERVICES Original Amount Owed {$2500.00} Amount {$2700.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My account is in good standing, and yet it has been over 7 years since the account was paid in full and I have frequently asked the creditor to reflect that and remove the collection status and yet they refuse. Since 2014 my dispute remains open with then with regard to this account and they refuse to close, resolve, and remove or amend the collection status. It is hurting my credit score, and affecting my ability to purchase a home and build my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuous calls, Do not identify before asking for personal information. Very disrespectful and refused to answer questions. This debt has been sold at least twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 2021-04-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I applied for a LOWEs credit line to purchase a refrigerator and stove. XXXX about {$1700.00} XXXX I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from Synchrony Bank. They stated my credit report showed the following : ( credit score XXXX ) XXXX ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) XXXX XXXX Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX XXXX XXXX show this?. Only XXXX has this information. 

XXXX XXXX Unpaid Collections Again, why doesnt XXXX XXXX XXXX show this? 

XXXX ) Lack of XXXX  account information : Since when do you have to have XXXX  information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over! 

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, Synchrony Bank and XXXX XXXX  from the same cup!

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 2020-10-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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:
Toyota Financial services is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it was cancelled in XXXX. Toyota is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. Toyota will not help and it is messing our process of purchasing our home.

Company response to consumer: Closed with explanation