BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Credit Supreme LLC
State: GA
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:
XX/XX/2022 a collection was added to my XXXX credit report by 12 Credit Supreme LLC. I have no affiliation with this company. Per further research, they are reporting a debt belonging to someone else with a similar name living in the same city I reside. 

Supreme Credit LLC continues to " verify '' the debt of someone elses account on my credit report. Said person has a totally differently last name. I now have an " alias '' name reporting to my credit report with a last name and addresses i've never been associated with. 

COLLECTION AMOUNT : {$67.00} In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 12 CREDIT SUPREME LLC 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On a shared credit card with myself and my XXXX there was accidental charges on a vacation overseas as 53rd now has designed their debit cards with a near identical design as their debit cards. As a result several XXXX dollars were charged on our credit card we had never used in the XXXX years we had it. This card was not linked to our online banking, which is how we do all our banking and bill paying. Despite being told by multiple people at the local branch, it is standard practice and policy to have all the accounts a client has under XXXX login profile, after XXXX visits there and several hours they were able to link it. This was after they reported missed payments to credit reporting companies, dropping my credit score over XXXX points from around XXXX. This will cause SIGNIFICANT financial hardship in extra cost of borrowing for future mortgages and loans, based on a missed {$600.00} payment I was not aware of, of which was paid in full the same day I was made away of it, not from 53rd but a credit alert from XXXX XXXX. By the time I was alerted of this, 53rd refused to correct this on reporting despite over XXXX years of on time payments and this being a result of a glitch in their technology ( which they actively push everyone to use ). This glitch in their technology is written off by them by saying they mailed statements, of which I have no confirmation we ever received, and their next measure was to have a XXXX party agency call my cell phone and demand I give them my Social Security and other personal information BEFORE they could give me any details on who I was giving this information to or what it was regarding. I think anyone with a hint of good personal security procedures would find this a grossly negligent method of attempting to alert a customer of a balance due that results in 53rd likely gaining extra interest and fees through a knowingly inadequate and dangerous method of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 deleted 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Ability Recovery Services, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : Ability Recovery Service XX/XX/2022 in the amount of {$1400.00} Ability Recovery Service XX/XX/2022 in the amount of {$760.00}.

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 2021-10-30
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: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraud, i disputed them many times- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Chime Financial 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: Card was charged for something you did not purchase with the card

Complaint:
From XX/XX/2021 to XX/XX/2021 I had numerous unauthorized transactions totaling in {$2600.00}. I was at this time incarcerated and unable to make these purchases. I have tried to file fraud charges with Chime multiple times only to have them continuously denied my claim. I was able to recover some of the money however I am still needing a total of {$2400.00} from Chime. I have given Chime proof of incarceration from the state of XXXX police report number, and an affidavit of stolen identity. However, Chime is still refusing to return the money from the fraudulent charges or even flag these charges as being fraudulent so that we may get assistance from the sellers To find the person who actually used the card. Chime is claiming that they find nothing wrong with their transactions however I have given them proof that I was behind bars at the time of these transactions therefore making All of these transactions are an authorized. I am needing the funds to be returned and I am needing these charges to reflect as fraudulent so that we may find the actual perpetrator. I have multiple documents that I can include if there is a place to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

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 need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Wells Fargo Information inaccurate and violated privacy laws immediately delete the accounts

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 2022-07-30
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have four months off missing pay of my loud of XXXX and I missed this month too.

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 2022-07-30
Company: EQUIFAX, INC.
State: AK
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 was looking at a credit report and my name is on there with my ex-husband 's last name and I have been divorced from him for 10 years and this is a recent report. Also there's a few addresses that I have never been to and I've never lived in Hawaii in the Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Subject : Dispute with XXXX XXXX  - Case Number : XXXX I am writing to provide a description of the disputed transaction, as requested, without including any personal information. 

The disputed transaction initially occurred on XX/XX/2023, with XXXX XXXX, with a charge amounting to {$37.00}. The reason for this dispute is related to the fact that I have not received the merchandise/service that was supposed to be provided to me by the expected date, as initially indicated by XXXX XXXX XXXX 

On XX/XX/2023, the charge was adjusted, suggesting a resolution to the dispute. However, on XX/XX/XXXX, the same charge reappeared on my statement, but this time under the merchant name " XXXX XXXX XXXX CA XXXX XXXX. '' I had not authorized this charge, and it further compounded my concerns. 

Furthermore, on XX/XX/XXXX, the credit card company issued a " PURCHASE ADJUSTMENT, '' which indicated that they were attempting to rectify the situation. Despite these adjustments, the core issue remains unresolved, as I have not received the expected merchandise/service, and the charge continues to appear on my statement. 

Upon noticing the reappearance of the charge, I promptly took the following actions : I contacted XXXX XXXX  customer support again to inquire about the unauthorized reappearance of the charge and the continued non-receipt of the merchandise/service. 

During my interaction with XXXX XXXX  customer support, I reiterated the situation, emphasizing that the merchandise/service was not delivered within the promised timeframe. 

I also provided XXXX XXXX  with all relevant details and information related to the transaction, including the date, amount, and any supporting documentation they may require. 

Despite my continued efforts to resolve the matter directly with XXXX XXXX, I did not receive a satisfactory resolution or a refund for the charge related to the undelivered merchandise/service. As a result, I initiated this dispute with Capital One to seek a fair and just resolution for the unfulfilled transaction and the unauthorized reappearance of the charge. 

I hope this updated description provides the necessary information regarding the disputed transaction, the adjustments that occurred, and the specific reason for the dispute, which is the non-receipt of the expected merchandise/service within the promised timeframe. If you require any further details or have any questions, please do not hesitate to contact me using the provided contact information. 

Thank you for your assistance in addressing this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30
Company: MORTGAGE INVESTORS GROUP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Investors Group sent me a letter stating they sold my mortgage to XXXX XXXX in XXXX, Texas, but XXXX XXXX has no information about me and told me they do not know anything about Mortgage Investors Group and have never received any mortgage from them. I called Mortgage Investors Group but all they said was they no longer had my mortgage so they could not help me. A representative from XXXX XXXX called Mortgage Investors Group but could not get any information about my mortgage. I need someone to find out where my mortgage is so I can make a payment.

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 2022-08-23
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:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}

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 2022-08-23
Company: EQUIFAX, INC.
State: UT
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 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: NC
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 filed a complaint here using this service a few day ago and the company XXXX XXXX XXXX responded quickly with the statement essentially saying they had ordered my credit file they reported wrong be removed from the credit bureaus but thus far it has not been done. 

This company is known for violations and will unlikely obey the law Ive learned through research. 

Please begin a new complaint with regards to XXXX XXXX and XXXX XXXX XXXXXXXX and please make note that XXXX XXXX XXXX should be held in contempt. 

Im including the file Pic if there submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Incomm Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Hello, I tried to call the Vanilla Gift Card company to set a pin and request to confirm the balance on it. We got this gift card as a wedding present and our friends notified us there were $ XXXX dollars invested in the card. I tried calling the company some days ago but they kept putting me on hold for about an hour and then hung up the call. When I go on the vanillagift.com website and type " Balance Information '' all that comes up is the option for me to purchase a card. So, I tried calling this morning at XXXX AM on XX/XX/XXXX again and entered the card information, it tells me it " invalid and hang up on me. 

The full digits on the card are XXXX XXXX XXXX XXXX The expiration date is XX/XX/XXXX and the 3 digit code on the back is XXXX XXXXhank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: BlueChip Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please. 

I send a complaint in already and this company continues to overdraft my account and I do not have the funds available. I understand what they are saying but have a heart life happens .This was not my intent to owe them money or have an overdraft account .Please forgive me and clear the debt without penalty .I am struggling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX, I took out a XXXX XXXX XXXX with Navient. I deferred payment until XXXX. Since XXXX, I have repaid my loan without lapse or default. Monthly payments range from $ XXXX per month due to a variable interest rate. In XXXX, my loan was originated for {$15000.00}. Today, despite over {$29000.00} in faithful monthly payments, I still owe {$20000.00}. Something about this math does not make sense to me and feels usury. I believe they packed the interest payments for the entire loan at the beginning and I'm just now beginning to pay of principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I enclosed the documents in a FULLY PRE-PAID envelope provided but the UNITED STATES POSTAL SERVICE addressed to : XXXX of ( Company ) & ( XXXX XXXX Agents ) CONSUMER NOTICE OF RESCISSION OF AGREEMENT AFFIDAVIT OF TRUTH NOTICE TO CEASE AND DESIST ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT LIST OF EXHIBITS TILA CODES AND VIOLATIONS

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