BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: FCC Finance, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today I received a phone call from a number listed as " XXXX '' at XXXX XXXX on XXXX/XXXX/XXXX. The caller was from XXXX XXXX XXXX ( FCC Finance , LLC ) and they usually call from XXXX. However today they spoofed their number to show up as " XXXX '' ( XXXX ) on my caller ID. The representative from FCC called and asked me to make a payment with my debit card when I had already made a payment this month. It was taken by them from my bank account on XXXX/XXXX/XXXX. I am absolutely sure that this company spoofed their number. Because this company 's intent was to collect more money " spoofing '' is illegal per the Federal Communications Commission.

https : //www.fcc.gov/consumers/guides/spoofing-and-caller-id I feel insulted and harassed by this company 's practices and I 'm curious if other people have experienced this before as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
CitiMortgage is still reporting a 30 day late payment from me on both XXXX XXXX and XXXX from XX/XX/XXXX. This delinquent payment occurred 15 years & 8 months ago. CitiMortgage has been asked by XXXX XXXX on my behalf to remove this ancient information from both agencies. They are refusing to do so stating that it will not be removed until XX/XX/XXXX ( which is one month shy of 16 years ). They  are well past the statute of limitations for negatively reporting this credit issue against 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 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America credit card has failed to uphold its commitment to protect its users against fraudulent merchants. 

Back in XXXX, XXXX, a fraudulent charge of {$220.00} was made by a XXXX called XXXX. I disputed it and its been 6 months now and Bank of America has done nothing. I have tried to follow up. Nothing. I did not receive any confirmation of my dispute and no formal notice of conclusion, even though they had once claimed the dispute was still being processes. 

Today again, I tried calling again and gave up after XXXX minutes on hold. I need my {$220.00} back from this fraudulent XXXX and Bank of America has failed to protect its users. Im closing down my Bank of America card.

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 2022-06-11
Company: EQUIFAX, INC.
State: MA
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:
Good evening, I see that XXXX XXXX XXXX XXXX XXXX sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a XXXX XXXX for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXXXXXX in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the Equifax Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to Equifax to make sure to they receive my complaint about this account that should deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing a complaint against XXXX, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over XXXX times in the past XXXX months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing 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 explanation
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received my annual credit reports from the XXXX reporting agencies, XXXX, XXXX, and XXXX XXXX. I noticed numerous inquiries from companies I did not request credit from. I phoned the companies, of which the biggest offender is Capital One. I had XXXX inquiries on the XXXX report, and several on the other XXXX agencies. I spoke with a representative at XXXX then his supervisor, explaining I wanted them to remove me from their lists permanently. They asked me for my social security # & other personal information. I also phoned & I then wrote to Capital One as well, opting out in writing. I explalined I did not want them to review my credit unless I desired to borrow money from them or use one of their products. I have a bank issued credit card and DO NOT wish to do business with these people. I also phoned your agency and spoke with a representative to discuss the matter. She suggested I file a complaint not only against Capital One, but against XXXX and the other agencies, as well, since they are allowing the inquiries. I am frustrated and dismayed that consumers have NO protection against these predators. Absolutely NO ONE should have access to my credit unless I initiate a relationship with them for the purpose of borrowing money. I do not want to see any more inquiries on my credit reports unless I have given written permission to a party to do so. Someone MUST STOP these companies and protect consumers. This practice should be illegal. It is appaling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BARCLAYS BANK DELAWARE
State: OR
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 customer service

Complaint:
On XX/XX/2019 I was booking a hotel on Wyndham hotels website when I say an offer a {$50.00} statement credit if I applied for and used a hotel chain credit card issued through Barcalys. 

I applied for and was approved for this card but was not issued any kind of temporary Visa number nor was I presented with any way of using my card for my hotel purchase. 

I attempted to contact customer service and after a few transfers the line just disconnected. After disconnecting, I called back and was presented with a recording or something saying that account information was currently unavailable and to call back later. I called back and canceled this brand new card. 
It feels like I was misslead and promised things that I wasn't able to take advantage of.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: WI
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 Account # XXXX, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, US DEPT ED 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 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 2021-03-24
Company: Santander Consumer USA Holdings Inc.
State: TN
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:
Unfortunately Santander is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19.

Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period.

( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

By definition a Creditor is any person or entity that extends credit with intend to repaid in the future.

Santander is a Creditor who agree to payment arrangements and has now failed to comply with the law.

In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on my credit report the same debt is shown twice, XXXX XXXX bank and XXXX XXXX XXXX shows the same debt, there for my credit score is being hit twice for the same debt, Equifax dispute system only has boxes for me to check to dispute a issue, this is not XXXX of those areas they allow a dispute, and they do not allow any me to add a written dispute about this with them, please help me correct my credit report XXXX XXXX had such a written system and removed XXXX XXXX bank the same day as i sent the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: WI
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 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 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am locked out of my Transunion online account. I want to change my PIN # because of the XXXX XXXX Breach.  ( I am worried that the hacker has my PIN number to all 3 bureaus! So I want to change them, much the same way we would change our passwords. ) When I call Transunion, I get transferred again and again ... this after I explain what I need to each one of them. I have spoken with 6 different individuals, but no one can help me. One very  knowledgeable gentleman said that there are multiple accounts open in my name, and that Is the reason I am unable to logon. He said that only Transunion can clean up the mess so that I can logon and change my PIN number. But he needed to transfer me to another department. After another hold, a female answered, and I told her the issue. But she said that she could n't help me. She said I must have the wrong department! Really??? She transferred me back to a number where I started! lease help me. This should be simple to fix, but they do n't know seem to know what they are doing or where they are transferring me. I 've spent enormous time on this effort, and I have a full-time job and can not keep doing this. Please help me. If they ca n't figure out how to clean up my accounts and merge them into one, can they change my PIN so that I have some security post the XXXX  breach. That 's all I want!! Thank you!

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 2017-10-17
Company: Perfection Collection
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this debt collection company has placed on my credit reports that I owe {$2400.00} to XXXX XXXX. Ever since I canceled with XXXX XXXX the statements I received stated the debt as {$1900.00} which is {$480.00} less than what this debt collection agency has posted to my credit reports. The amount they are trying to collect is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 acXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 non-monetary relief
Consumer complaint received 2017-10-17
Company: TRUSTMARK CORPORATION
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I received a call from my banker advising that my home equity line of credit payment would be increasing from interest only payments to 2 % of the balance effective XXXX XXXX. around XXXX XXXX due to a drop in my credit score. The following week I received a letter from the bank confirming the above mentioned. I ask the banker to see if I could retain the interest only status until I could examine what caused the drop in my credit score.  Approximately 2 days later I was advised there would be no change in the actions taken. 
XXXX XXXX I sent a certified letter to the financial institution advising the effect and impact of raising my payment from {$190.00} to {$570.00}. The scheduled payments had never been late or missed. In addition to increasing my APR and payment on the line of credit my XXXX was also shut down and the APR increased, neither payment has never been late since inception. I did receive a response but not from the certified letter. The response stated that the bank exercised a clause allegedly in the HELOC that they did n't provide a copy of. This harsh unexpected increase will at some point send the products into default. The response went on to say the decision was n't because of late payments but rather an overall review of my credit report provided by the credit reporting agency XXXX. I did not authorize a review of my credit nor was it covered in the disclosures ( Unfair Deceptive Practices ) that a periodic review would be conducted that would grossly impact my ability to pay. In addition to the payment increase the rate was increased and as stated the accounts had never been late. Please help, I have confirmation of registered mail copies of the letters etc. 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 2017-10-17
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX is reporting on my Equifax report has late and with a last payment date of XXX 2017. I have n't had an account with this company in over 15 years. This debate is well over 10 years old. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe XXXX  XXXX any money therefor it should n't be reporting late payment and balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Dear XXXX and Transunion, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, 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 explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX which is not my address and never was a family was occupying that address and stole my identity. I reported it to XXXX credit bureau with no resolve. XXXX XXXX XXXX, XXXX is reporting XXXX XXXX XXXX XXXX, LA XXXX and Transunion is reporting XXXX XXXX XXXX XXXX, la XXXX, XXXX XXXX XXXX XXXX, la XXXX and I never lived there it was also apart of my identity theft case. 


Transunion has my name known as XXXX XXXX which is incorrect.

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