BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: IL
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:
The Credit Bureaus stated my account was properly investigated but how is that possible if the date open, the date of last active is inaccurate, the account number is inaccurate, and the account balance is not accurate. This is ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation

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 2023-01-10
Company: Experian Information Solutions Inc.
State: AL
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:
I filed a complaint here and they responded and refused to remove late status. I found an old email from XXXX of last year stating to reply yes to place loans in automatic forbearance. Which I did but they still reported 90 day late payment in XX/XX/2022.

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 2022-07-27
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I needed to buy a car so I went online through XXXX XXXX and they did my supposedly credit report online and my down payment was supposed to be {$990.00}. Went to XXXX XXXX XXXX  location and it was a different story I had to put down a {$2700.00} down payment on a XXXX XXXX XXXX and that was purchased on XX/XX/XXXX of XXXX. So then I made my first payment two weeks in advance and then on the second payment I was going to make on this Friday which my second payment was I think 10 days past due and they came to repossess the car and they kept telling me what I talked to Bridgecrest because that's who it is financed through and then they tell me that it was in my contract that I would have to make the first the second payment on time which I kept reading through the contract and it does not say that and I told him that I was going to make the payment this Friday and they still came to repossess the car. And that they told me for me to get my car back I would have to pay the car completely off and then I would not be able to get my car back until 4 to 6 weeks after the fact that way they can inspect the car. When I first bought the car the car has paint chipping off. It has a major scratch that with the paint does peel off the primer is coming off with it there is also there is a shimmy the front left side of the car. And the back side by the both quarter panels one of the side and I do believe this the left side that is off by XXXX inches. And they are telling me that the car was never wrecked but I'm pretty sure the car was wrecked. But when I purchased a car they never told me that I would have to make the first and second payment 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 explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: MI
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 XXXXXXXX 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 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 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 2023-06-16
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX Subject : Complaint against XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt in question has not been properly verified by XXXX XXXX XXXX, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. 

On multiple occasions, the agents of XXXX XXXX XXXX have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. 

Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score.

I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. 

I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the full amount due on the card on XXXX at my bank it was electronic transferred to Bank of America on XXXX my due date was XXXX they are charging me interest and late charges now they say they go bay the posting date. I said my statement say 's XXXX nothing about a posting date I think if they are going by the posting date it should say so on the bill I called them could not get it change If this procedure is correct someone should notify me in advance 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 monetary relief
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: SC
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:
On return from traveling in XXXX I noticed there were fraud charges on the account, and promptly canceled the card the opened a dispute, initially I told the fraud agent that I had returned to the united states, and couldn't have purchased that stuff. they asked for flight history which i gave them as well as passport stamps that I left XXXX which I gave them as well. after which they said they need basically a boarding statement from the airlines that I actually boarded my flight, i have currently put in for that request but have not heard back from the airline. below are the fraud chages 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CITIBANK, N.A.
State: NC
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:
I opened the Citi AA advantage card to purchase vacations and to earn XXXX   miles. I purchased a vacation through XXXX. They paused operations and my trip was canceled and I was not refunded. I filed with Citi under services not rendered. I was given a conditional credit XX/XX/XXXX and it was reversed XX/XX/XXXX and I saw I lost my claim. I called and was repeatedly hung up on. I try with the chat to no avail. I was finally able to email and hear that theyd reopen my claim. They only reopened 2 out of the 3. It was supposed to be close on XX/XX/XXXX if the merchant didnt respond. I checked daily that entire week and saw the date kept changing. It changed to XX/XX/XXXX. I checked XX/XX/XXXX and saw the 2 out of 3 were ruled in my favor. I try again in the chat to ask about the  permanent credit that it says has been applied. 

The chat person was rude, redundant, and kept beating around the bush. I wanted to know if the credit is pending since my XX/XX/XXXX credits were reversed. He continued to try to tell me I received the credits and thats the end of it. Be says the merchant provided the credit and keeps referring me to my statements I try to explain to him whats on them and how it shows the charge was put back on my account. ( I know this to be true without looking at the statement for clarification because I was out buying groceries and my card was declined it was over the limit when they reversed my credit 3 days after applying it without notifying me. ) I asked if the merchant applied the credit then is it currently pending, no response. And then tells me to call a number I call twice immediately and am hung up on. The chat person stopped replying to me. 

I close the chat and reopen and speak to someone else whom confirms that the XXXX credits were reversed or charged again and that there is no credit pending. She seems to feel uncomfortable speaking with me as if she was told to direct me to the phone. She was nice and helpful regardless, even though she was reluctant. 

I call the numbers given today And was hung up on twice. I finally reach someone and she tells me that the chat doesnt realize that the claims department closes at XXXX instead of XXXX now. She doesnt try to talk to me nor look at my account. So here I am again without any answers. 

At this point Im closing my account. Im in a XXXX  group and all citi customers are complaining about the horrible customer service and lack of thorough care.

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 2022-06-21
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: CCS Financial Services, Inc.
State: MA
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:
I am a XXXX customer with XXXX. I ordered a replacement tv box in XXXX of 2022. In the box with the replacement tv box was a cell phone. I called XXXX and they told me I couldn't return the phone to them because it had been more than 10 days ( was about XXXX weeks later that I called ). I told them the box had just been opened by XXXX and I had no idea a cell phone would be inside. I never ordered a cell phone! In fact, I told the rep who pitched a cell phone that I was locked into XXXX for 2 years, I don't even have XXXX cell service. 

I was then put in touch with the fraud dept but never got an XXXX number as requested. I also never heard back from them. I called back a couple months later and went through another hour+ on the phone and spoke to a fraud agent who said I would get a XXXX number and they would not report to my credit! A couple months and nothing! 

I also tried bringing the phone. still in the box, to the local XXXX store but they wouldn't take it back. Which I found strange because their website listed store dropoff as one of the ways to return items. 

I had multiple chats with the chat line at XXXX  to no avail. I eventually gave up and told the chat person to please lmk how to get the phone back to them. I couldn't go on wasting hours trying to resolve their mistake. 

Next thing I get a collection notice and a {$270.00} collection is reported to my credit. My credit score dropped from XXXX to XXXX! I'm PEEVED! I had just returned from house shopping in XXXX. Now I can't make an offer on any houses I was looking at!! 

Apparently this scam is prevalent at XXXX because multiple people are complaining of it on the XXXX chat forum. I assume an employee is making commissions on these bogus cell phone sales?!? But possible someone at XXXX just mixed my info with someone who actually wanted a cell phone. I pointed out to the fraud dept that the credit card info showing on this new cell phone bill under my XXXX account wasn't my credit card! 

PLEASE help, documentation included.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
I have attempted to resolve an incorrect reporting with the CRA numerous times and they have failed to DELETE an inaccurate account. They also allow the CRS to report on an account that has multiple inaccurate late pays and on an account that is at a {$0.00} balance and they don't even own anymore. This account XXXX XXXX was transferred to XXXX XXXX  as part of an agreement in XX/XX/2022 where XXXX bought all XXXX Extra Points accounts ( good or bad ) from XXXX. Yet, XXXX still reports this account that they own it and the CRA refuses to delete it. I am including a {$0.00} balance letter from XXXX that they own the account and not 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 2022-07-27
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid off my PayPal credit card via a balance transfer from my XXXX card in the amount of {$870.00}. XXXX sent is on XX/XX/XXXX. It went to my old account # which I did not realize had changed when I got a new PayPal card. I have called numerous times, sent documents, faxed documents and 10 months later it still has not posted to my account as a credit and deducted from my balance. on XX/XX/XXXX, after a call it finally posted, only to be reversed on XX/XX/XXXX and has yet to be be reposted as a credit. 
I am beyond frustated and stessed out over this. and I want it resolved now! 
I appreciated and help and resolve you can help me with. 
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 2023-11-15
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The organization will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623.

No response was received after 60+ days after the letter was sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
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 act 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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 2022-06-21
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:
I lost my wallet about 3 months ago containing my drivers license and social security card and other bank cards which I quickly cancelled. And a few weeks ago I pulled my credit and notice alot of inquiries unauthorized and fraudulent account I contacted the companies and request they be removed but nothing happened

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 2021-08-02
Company: Kriya Capital, LLC
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: Account information incorrect

Complaint:
Credence Managment is reporting an account that they promised to DELETE in full upon payment. The account was paid and yet today I noticed that they updated it as a settled collection as opposed to removing it fully from the credit as promised. Credence failed to keep their word and misled me to pay the account by promising a full removal from the credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've tried to communicate to all credit reporting agencies and the original creditor that this debt is unverified and not mine and have not received proof of validation of debt.

Company response to consumer: Closed with non-monetary relief