BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-26
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, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, 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:
I reached out to the credit bureau via called, faxed and mailed and no action have be taken with the unauthorized inquiries. can you please help me out. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I was offered to apply for a JetBlue Credit card during my flight on Jetblue and was promised I would get XXXX points if I got a credit card with them. I applied but didn't get any reward points. So it was a bait and switch. I was also not told about {$99.00} fee. Then they didn't send me any mail or notices and I got a notice my payment was past due. I never even used the card, not even once. Now they want me to pay {$99.00} and also have reported my credit to reporting agencies as 80 days past due. This is complete fraud and not only now I have to pay and it has also affected my credit. 

I would really appreciate your help so these predator banks don't keep praying on consumers like me. 

kind regards, 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 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I call experian spoke to XXXX in the special services department XXXX was very rude did not want to help me with my request and when I asked why she can't access me she told me to send in my information even when I already did and they delete the incorrect information then I looked a month later and re-inserted the same information they deleted off my credit report. Please hold XXXX accountable for not doing her job with correcting my name as it is my right to have my information be 100 % accuarate the this name XXXX XXXX and XXXX XXXX XXXX is not my name as you can see on my drivers licences. I also sent proof that the company removed it then reinsert the name again.

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 2022-06-26
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Was encouraged by loan servicer, Nelnet, to enter into a spousal consolidation loan in XXXX. In XXXX the PSLF program was created, and while I have worked for a qualifying employer for the past 17 years, my loans are not eligible for PSLF because my ex-spouse does not qualify and there is no mechanism to de-consolidate our joint loans into direct loans that would allow me to qualify for the program. I have spent years getting inaccurate and inconsistent information about my eligibility and how to access the program. I have now paid significantly more than my original loan balance and can not get any of what should be qualifying payments applied to PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have formally requested by certified mail that Resurgent Receivables LLC Care of Resurgent Capital Services LP provide me with validation of the two accounts # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Practice Act by not responding to any of my letters nor have they provided me any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This issue goes back to the Capital One data breach and I am a person that was directly hacked into to stop a payment from a bank account from another person who promised me she would pay me back for the credit card charges. Capital One had already issued the money through and it was stripped from the system some how when the Capital One Data breach had happened. So the person 's bank account was locked up and we never got the payment through. Capital One never acknowledged what had happened about me being directly hacked into and nobody is doing anything about it. The last thing that remember hearing about the Capital One data breach was when Congress started to investigate. Now there is no news on it and it has been more then long enough to find out what to do to correct my credit report. This hacking with the Capital One data breach is running my credit rating. I am underprivileged already. Disabled and going to school online is hard enough already I can tell you that. The data breach occurred around XX/XX/XXXX, the exact time evades me. But this is still haunting me today XX/XX/XXXX for my credit issuance that they never paid me from my inconvenience. The court settlement hasn't settled on my credit rating so what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Name : XXXX XXXX XXXX, Account Number : XXXX & Account Name : XXXX XXXX XXXX, Account Number:XXXX have 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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: Reporting company used your report improperly

Complaint:
I went to XXXX dealership to get a car. I was told there would be only one bank and there is multiple inquiries. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXN XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX 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 2022-06-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When closing our refinance loan, Cardinal Financial engaged a closing agent, when preparing the closing statements, Cardinal Financial was responsible for transferring the payments from the previous escrow to the new escrow and paying the homeowners policy for the next year ( or ensuring that there was enough money in escrow to cover it ). At closing we still had several months on our policy. We were billed for the new years policy, then refunded the policy amount then when the renewal policy was not paid as the money was not in escrow and I received a cancelation notice only after contacting Cardinal Financial did they paid the policy. Now due to their errors, there was a deficiency in the escrow account that has caused our monthly payment to increase over {$300.00} a month as we are about to enter a recession. When I presented to above to Cardinal, they did not address this issue but used my neighbors property tax bill ( not mine ) to refactor the escrow account. The names on our tax bill and my neighbors are not anywhere near the same. Cardinal Financial has engaged in a series of mistakes and errors that have been costly to my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct. # XXXX has violated my rights. 15 USC 1681 section 602A 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 an account with out my written instructions. XXXX XXXX XXXX XXXX has sold this account to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, all four are showing on my report with the same Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I opened an account with Venmo. Shortly after I linked my personal checking account and made a transfer to the Venmo account. While my transfer was pending, Venmo sent a promotion to me to get {$5.00} into the account so I could use it. I completed the steps for the promotion and the money was deposited. Shortly after my transfer came in. The same day of my transfer, I receive an email stating I violated their user agreement. The email also requested my identification to prove I was me. I requested the company respond back to me with an explanation of how I violated the user agreement since I only have the deposits in my account. No other transactions. A couple days later, I demanded a response on the accusation they have made against me. They still failed to respond. I demanded again a response and advised I was filing consumer complaints against them with multiple agencies. Meanwhile, my Venmo account shows all my identity documents have been verified. I tried to withdraw the money but was not able to. I even tried to just take the money I transferred and was not able to. So I am filing a complaint with your agency to help me resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Transworld System on a matter that pertains to my credit. I have been a victim of fraud. I sent Transworld System a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked transworld system to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX  score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Transworld system and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account US SM BUS ADMIN ODA, has violated my rights. 
XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX  Account XXXX XXXX XXXX has violated my rights. 
XXXX Account 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 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 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 2023-10-12
Company: Chime Financial Inc
State: CA
Product: Credit 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 credit card at chime was charged several times by turi a rental car company twitch I did busisnes with in the past. They keep on charging my credit card several times for difrent amounts to reach a total of more than XXXX. I file a claim and chime denied my claim and i did not made or authorize those extra charges claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Southwest Recovery Services based out of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX put a collection note on my credit file with XXXX credit bureaus. I tried contacting this company through phone and email and did not get any response. Eventually, I spoke to a representative more than XXXX business days ago and asked for debt validation, also, informed them that i am victim of identity theft and asked them to send me the details in a personal email so that I can forward them Identity Theft reports lodged with FTC and local police. I have not received a response and even though I leave voice mails, I do not recieve call backs.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Initially, I received an email from Chase bank on XX/XX/XXXX, thanking me for applying for credit card. Within XXXX hours I received a phone call from them asking if I applied. I explained to the representative I did not and she advised me to contact the three credit reporting agency. I spoke with XXXX and XXXX on XXXX  to put a block on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Capio Partners, LLC
State: GA
Product: Credit reporting 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We opened credit cards with Home Depot and Costco. Both cards are through Citi Bank. With the Home Depot card, it was opened as a paperless statement. We never received and email with the statement and notification for pending bills were received the day the bill was due. With the Costco card, we were switched to paperless bills with no notification. Similar to the Home Depot card, the emails about pending bills/balance due were sent the day the bill was due. With both cards we missed a single payment because notification of balance due for the month was received the day it was due This then resulted in a late fee, plus interest charged for all charges until we made two consecutive payments on time.

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 2022-11-29
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  has continued to attempt a " debt '' of XXXX that they claim I still owe for when i had their internet services. This was an equipment rental fee. However, both pieces of equipment have been returned to them via XXXX as of XX/XX/XXXX. Copies of the XXXX  receipt have been sent to each " debt collector '' that XXXX uses, and still I am getting letters stating I owe for unreturned equipment. 
Latest company ( as of XX/XX/XXXX ) is called I.C System, i have tried to call and the number is not working, i tried to email and email bounces back... website only allows for you to choose reason of dispute but no attachments. 
This is the 3rd company that has now tried to collect a debt I do not owe, and yet here I am trying to get this resolved AGAIN

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 2022-09-20
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I never spoke with this company about a debt owed. Why am Im receiving a letter saying my settlement wasnt paid. Thats very inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: IA
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 accurate information is reporting on my credit report and the bureau is not resolving the issue therefore not following fcra laws.

Company response to consumer: Closed with explanation