BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-12-15
Company: CL Holdings LLC
State: OK
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:
Received a letter from a company named Jefferson Capital Systems LLC claiming that I owed just under {$150.00} for an unpaid cell phone bill from XXXX XXXX When I contacted the company to inquire about the debt, I was transferred to a call center in XXXX who gave told me that they were going to report the debt to the credit agencies if I did not pay them the debt immediately. Since I had not had any cellular service with XXXXXXXX XXXXr since XXXX, nor had the company ever attempted to contact me in any way claiming that I had an unpaid balance, I was obviously very skeptical. Knowing that this was likely a scam at this point, I then contacted XXXX XXXX directly to inquire if they had any record of any outstanding balance due on my old account. They pulled my old account data and confirmed that there was no balance due, nor did they report any debt to any collection agency. When I contacted Jefferson Capital Systems back and confirmed to them that XXXX XXXX informed me that there was no debt nor had they been hired to collect such debt, the representative became very hostile before stating that they would just " forgive '' the debt. It appears very likely that this outfit has somehow obtained a list of XXXX XXXX 's old customers and is attempting to scam them out of small amounts which would be similar to that of an XXXX so that the victim doesn't ask any questions or contact the company to verify the debt. I guess we can add this to the endless number of debt collection scams out there predating on hard-working Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Gitsit Solutions, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were wrongfully Evicted on   XXXX   XXXX   XXXX    .  Kondaur refuse d to wait until our hearing scheduled  X/XX/17   .  Quash Writ of Possession.  This was unlawful and intentional sabotage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Utah Billing & Recovery Services
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: Account information incorrect

Complaint:
Utah Billing & Recovery is reporting an outrageous & erroneous debt on my credit file that I do not owe. This debt was {$300.00} and now it's reporting a debt of almost {$6000.00}. This is erroneous! I don't understand where this balance came from and it needs to be removed off my credit report. I do not owe this debt and I will be seeking an attorney if this is not fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in  accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Transunion and XXXX aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.

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 2017-04-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I receive d a letter last fall a dvising that my credit card account was being closed due to inactivity, which was great, because I was getting ready to call and cancel my  Chase Sapphire Visa  anyway. It had been nothing but problems and hassles and hidden fees [ like additional charges for paying off certain types of bills with your credit card - they likened it to taking a loan or gambling! That does n't even make any sense ] since I signed up for it and that was now  one p hone call I did n't have to make. I had already quit using the card, paid it off, and made sure to use/transfer all of my rewards points. Well, I notice an email abou t three weeks ago about a bill being due from Chase, which I found odd since the acco unt was closed. Lo and behold, I  see they have charged me annual fee on a card I was under the impression was closed, as well as interest charges. I have been speaking with their customer service reps via email for 3 weeks now ; it took forever to get any kind of real response, and they are stating that because the charge is from so long ago [ i.e. two months ] that they can do nothing to remove it. Well, the card SHOULD have been cancelled, and I 'm sorry, I do n't dig through my promotional email folder in gmail typically looking for things from closed accounts. They did finally formally close the account, but are still demanding I pay them the annual fee on a closed card [ which ALSO makes no sense ]. I asked to b e escalated to a higher supervisor and am still being told that NOTHING can be done. I am awaiting one more response, and have now threatened a BBB complaint as well as openly complaining about them on social media. I am hoping that contacting the BBB and you all will help. I know it 's only {$110.00} but it 's {$110.00} they do n't deserve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
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, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX LOANS. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to sw every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each 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 explanation
Consumer complaint received 2021-12-15
Company: Receivables Management Partners, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX RMP XXXX contacted me about a {$1900.00} debt I owed. The XXXX on the phone offered to settle the debt for 40 % or {$770.00}. I accepted the settlement and paid the {$770.00}. I was advised that the debt was considered paid in full and a file would be sent to the credit bureaus advising as such and that I would see this updated in my credit by end of XXXX. On XX/XX/XXXX, an agent from XXXX services contacted me and advised I still owed {$1100.00} on the account. Once I challenged this, he got a XXXX XXXX  that explained that the previous XXXX had mad a mistake and that they could only settle for 50 % and thus I still owed {$190.00}. I stated that i was advised the debt was settled on the previous call and thus I was not responsible for the error on their pet. This was escalated to XXXX XXXX who is the division XXXX. XXXX again explained that agent had made a math error and I still owed {$190.00}. I explained that I did not owe this amount as I had paid and advised the debt was paid in full on the XX/XX/XXXX call. XXXX advised that he understood but they couldnt accept that and the debt would remain. I advised that I would have to look into options to protect myself as I felt this was collecting a debt twice and using a deceptive practice to collect addition money that I didnt owe. XXXX said I could do that and the company may decide to just refund my payment and request the full {$1900.00} debt. I told XXXX I felt like this was a threat in order to get me to pay the addition XXXX. He said it wasnt but that he was advising what could happen. Call ended as XXXX said he would have the XXXX of the XXXX  call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting my life and how I do things please look into this matter and remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: KEYCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I patronized a XXXX property that utilizes XXXX XXXX XXXX as a payment processor. I noticed that the merchant charged {$550.00} for charges that were already pending from XX/XX/XXXX. The merchant indicated that the charge could not be voided because it was transacted on XX/XX/2020 unbeknownst to me. There are pending authorizations from XX/XX/XXXX that have not cleared the account. I asked the merchant if these were finalized and the manager indicated that he had no way of knowing if they were and also that XXXX XXXX services refused to remove authorizations despite the merchant being paid. This has been a constant issue. There is another authorization that is currently pending from XXXX XXXX XXXX XXXX XXXX in the amount o f {$150.00} from XX/XX/2020 resulting in a hardship for my family during the pandemic. I ask that the Federal Reserve and other regulatory authorities look into these procedures, because this seems to be an issue with batch processing of transactions. The merchant in essence has created a new charge and been paid for it while having authorizations pending on a consumer 's account. The total pending authorizations are well over 20 days and total {$930.00}. Please review this as soon as possible as this a situation that can be concluded quickly. Thank yo u for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to  misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.

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 2017-04-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In the summer of   XXXX  , I was  XXXX   XXXX   XXXX , not financially literate, and applied for a Victoria 's Secret credit card when it was strongly recommended and offered with incentive upon checkout at the store, by the store employee. With multiple visits to the store, and multiple employees vying to receive credit for sales and signups, I ended up with   XXXX    Victoria Secret c redit cards. I regularly used and still have to this d ay, one of  the cards. The other card I was ignorant of until I moved apartments and discovered the second card. That is when I looked online at the amount owed on the card and saw the initial transaction from when I had applied for the card. I felt embarrassed about the error and the fact that I did not know about the second card for all those months. I paid it off immediately and closed the account. I was not advised by any  Victoria Secret e mployee or representative at any point ( including account closure ) that my late payment could be understood or acknowledged that it  may n ot have been 100 % the fault of a young  XXXX   XXXX   XXXX  who never got any paper statements regarding late payments or anything to indicate that it was possible that a company would issue  XXXX  of the same credit card to her, and that was indeed what had happened. Being made aware of the Consumer Financial Protection Bureau by my  XXXX  professor,  XXXX   XXXX   XXXX , and having seen partial success in a separate, albeit ongoing case, I would like to bring this issue to light as apparently it is still affecting my  credit score . Although it is stated that Late Payments can affect credit scores for up to 36 months, and this issue was reported in   XXXX   XXXX    , somehow it is showing up on my payment history. I believe this violates the terms, not only on the basis of validity, but on the account terms of amount of time passed, as well. Please look into this and help confirm my suspicion that this behavior is wrong and my credit payment history should be updated by the creditor to reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Kimball, Tirey & St. John LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not on this loan but they are still reporting it to the credit bureaus. My licence was suspended at the time so I could not cosign on the loan. The car is in my wife 's name only. I attempted to dispute through the credit bureaus but that has not worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Experian Information Solutions 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 am a victim of identity theft

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