BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
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 is missing that should be on the report

Complaint:
Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.

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 2022-04-08
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 is missing that should be on the report

Complaint:
Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Yes I'm on XXXX going thru hardship with bills etc. Living paycheck too paycheck. Struggling too make this months payment. Hope I can get payment deffered right now. Always on time with 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 2018-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX  has stolen my credit card account number and charge to my account since on or about XX/XX/2018 until XX/XX/2018 even I didn't purchase .I contacted the Capital One credit card to report the fraudulent charge and to lock my credit card. After that, the XXXX still stole my new credit card account and continuously make a fraudulent charges ( in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 ) to my credit card. XXXX  told me that Capital One give them my information without my consent. On or about XX/XX/2018, I contact the Capital One credit card and asked why Capital one credit card stole my information and gave to the XXXX without my consent and the Capital one credit card refuse to give my any answer and refuse to remove the fraudulent charge on my credit card account. 
The XXXX is attempting to collect the debt which I do not owe. On or about XX/XX/2018, I received an email from XXXX demanding that I have to pay Immediately {$22.00} which I do not owe. On or about XX/XX/2018 the XXXX charge to my Capital One Credit card account with the amount of {$22.00}. On XX/XX/2018 I Called the XXXX and let them know that I never owe them any money. the XXXX threatened me that they would report me to Credit Bureaus and file lawsuit against me for the debt I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ADIR INTERNATIONAL LLC
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 status incorrect

Complaint:
Good afternoon, On XX/XX/2021 I paid off my account with CURACAO. I submitted a payment in the amount of {$790.00} as full and final payment ( I called prior to submit payment and I was given such amount by automated system ). 

On XX/XX/2021 I received an email from my transUnion report showing CURACAO account as paid off. 

On XX/XX/XXXX, a late payment red flag was added to my credit report by CURACAO. Now, account shows an outstanding balance of {$27.00}. My credit score went down XXXX points on XX/XX/XXXX. 

I reported the issue to CURACAO. Spoke with XXXX, XXXX, and two other representatives in several occasions and they indicated that it was an issue generated by the system and that they will take care of the issue. As of today, nothing has been done. I called this morning and they said " don't worry XXXX, your account shows XXXX balance now '' I said, " that's not the main issue... the main issue is the red flag on my credit report ... the missed/late payment report caused a huge negative impact to my credit score, which I don't think is fair when I paid off my account before my contract is up '' I asked to speak to a supervisor/manager and they just continued transferring my call to different departments. 

I'm extremely frustrated and upset. They should be treating consumers with respect, and stop taking advantage of loyal, reliable, and responsible consumers. 

Very inefficient staff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail.The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section 609 protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus ar saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see  XXXX  v TRANSUNION 1997 ).

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 2021-11-15
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I informed Resurgent Capital Services/LVNV Funding LLC via the CFPB I've become a victim of identity theft. On XX/XX/XXXX I sent a written dispute requesting debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As of XX/XX/XXXX I have NOT been provided competent evidence of my legal obligation to pay Resurgent Capital Services/LVNV Funding LLC . 

I requested the company to provide me with the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
What the money you say the alleged debtor owes is for. 
Explain and show how you calculated the alleged debt. 
Provide me any documents that show proof I agreed to pay the alleged amount owed. 

Please provide the name and address of the bonding agent for Resurgent Capital Services/LVNV Funding LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

Please Note : A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ).

Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, Resurgent Capital Services/LVNV Funding LLC is in violation by not responding to my notice of Identity theft within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Netspend Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
What can I do to get the help that I need I made a transaction with the checking account side of my netspend cardXX/XX/XXXXfor XXXX $ onXX/XX/XXXXit came back that the bank dishonered it I then made a XXXX $ payment from the same acct transaction posted to utility company never came out of account. I contacted card company was told the transactions were never made because they are not in the history. I argued with this company about an hour and a half or more. I was treated disrespectfully got put back into the que line until another representative picked up I asked for a supervisor was disconnected, I called back asked for a supervisor or someone who could tell me why this happened got transferred and I let the phone ring for a good 5 minutes or so before I hung up and called back then I just kept getting repeated answers of the chrgs are n't in your history we ca n't help. Was n't even offered a dispute or payment inquiry nothing.i do have pictures of the dishonered letter my transaction history and where payments posted to other account if you want them.

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 2017-07-12
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was a   XXXX   XXXX   but now im on  XXXX  due to my   XXXX   XXXX   and    XXXX   XXXX   XXXX    are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from   XXXX  . I have papers now that    XXXX   XXXX   XXXX    are about to take me to court for. a letter has been send to them stating I am on  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 2017-06-03
Company: EVERBANK, NATIONAL ASSOCIATION
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:
I applied for a credit card with Everbank. I got a email reply from the banker.
" I did hear back regarding the credit card and was told it was declined at this time. There is limited info that is shard with me, but he did say it wasnt the credit score and had more to do with public records. Most of the time that has to do with either collections or a charge off. Some items like that, even when paid off, will continue to show until you ask the company to remove it. They will send a letter that will explain the exact reason. '' I researched my public records and found nothing. I feel like I am being discriminated against.

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 2019-12-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
am an XXXX  worker who holds an account with Chase. This was communicated to Chase at the time the account was opened. Last week I arrived in XXXX for work and contacted Chase to arrange for a wire transfer. My location was clearly communicated multiple times and several agents advised that this was no issue. 

When I initiated the wire transfer, it was flagged and I again called Chase this morning. They advised that not only the transfer was froze, but my account as well. No agent is able to access my information. They advised that I can only unfreeze my account by personally visiting a branch. This is not a regional bank from 1950. This is a massive global entity that operates in nearly all countries. Yet they deliberately misadvise customers about their product and it's availability for members of the global workforce. They falsely advertise the ease of use internationally and allow customers to deposit their salary, then seize that money leaving customers stranded. 

To be clear, if I can not pay my rent or buy airfare in a country like this, I will become highly vulnerable to dangerous and corrupt police. Each and every Chase representative is personally responsible for that. This will become a PR nightmare and legal case for Chase unless they find a solution for myself and all the other international workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: DC
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:
Bank of America {$330.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other bureaus

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 2019-12-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has been notified by XXXX XXXX  XXXX fraud department and myself several times starting XX/XX/2019 stating to remove four accounts and all inquiries associated with the accounts from my credit report as they were found to be opened without my permission fraudulently. A police report was filed. XXXX  and XXXX  oblige and removed all accounts and inquiries from report. Equifax is refusing to remove XXXX  XXXX, XXXX  XXXX  and XXXX. They did remove XXXX XXXX. XXXX has reissued they request to remove the accounts multiple times and I have verbally called in and submitted disputes online over 20 times and Equifax states they are accurate. XXXX  is unsure at this point on what to do and I am not getting a correcting response either. I am hopeful you will make them do what we have been telling them needs to be done asap. This has been going on since XXXX and needs to be finished with all traces removed. Equifax needs to be replaced with a better agency who does not release people 's information and will properly investigate and listen to the fraud departments of creditors when they say something is incorrect and needs to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: DISCOVER BANK
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I filed a dispute on a charge through Discover. Case Number : XXXX, Merchant name : XXXX XXXX, Dispute amount {$20.00}. The dispute was for a purchase from adobe. I filed a dispute and it wasn't until today XX/XX/XXXX, that I received a letter. It stated that XXXX gave them an invoice and so that was good enough for the charge to reappear. The letter stated that I had 15 days from the time I got the letter to provide further documentation. Upon chatting with a discover agent, I found out that meant nothing and the dispute was closed out on XX/XX/XXXX and that I was not allowed to provide further documentation and there was nothing I can do. Obviously the letter from Discover was a blatant lie and has to be illegal. 

XXXX invoice was for invoice # XXXX, date XX/XX/2021, order # XXXX. 

I went to my XXXX account and looked at all invoices attached to my account. Please see the attached documents. The invoice questioned doesn't exist. I also went to all downloaded adobe products and the product in question doesn't exist. I also went through my emails and other than a discover transaction, XXXX confirmation from XXXX that the charge occurred. I went on my laptop and desktop, also no photoshop as described. I checked my XXXX  as well as my ipod and no purchases exist. I don't have the product in question, I did not make that purchase, and the fact that Discover was fine with a fraudulent invoice and shutting me out, is shameful. I asked to speak to corporate but was told I was not able to communicate with them on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Aspen National Financial, Inc.
State: KY
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:
We have been contacting XXXX XXXX at XXXX, for several months, requesting the termination of our membership. Weve owned this for over 10 years now and it has not benefited us in any way. Weve poured thousands of dollars into XXXX XXXX at XXXX because we were told that travel would be made easy and affordable, but it hasnt panned out that way whatsoever. The fees have steadily increased, but the improvement of services and quality has been very minimal. In the midst of us requesting the termination of our membership they sent our account to a collection agency, Aspen National Collections. Dealing with a collection agency is something unprecedented to us and it was very, very upsetting to receive such a notice. Weve paid XXXX XXXX at XXXX dutifully for years and their disregard for long standing members is abhorrent! We do a lot of business that involves our credit, so having it tarnished is unacceptable. We never agreed to work with a collection agency. This matter needs to be resolved directly through XXXX XXXX at XXXX. Any offer of mediation is unacceptable and we expect a prompt response from XXXX XXXX at XXXX with options to fulfill our request of termination.

Company response to consumer: Closed with non-monetary relief