BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX account for {$360.00} is being flagged on my TransUnion and XXXX XXXX reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to Transunion and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from Transunion indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX Mailed Verification Affidavit to both XXXX and Transunion regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and Transunion be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An account was opened in my name and countless transactions were made between  XXXX   XXXX  and  XXXX   XXXX . The charges were over {$30000.00}. I have been unsuccessful in attempts to ge t Capital One to resolve this issue. Capital One  was sucking money directly out of my  XXXX  account. I am trying to recover as much money as possible. A police report has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a phone call and the caller ID showed up as XXXX XXXX XXXX, so I picked it up. Some guy claiming to the the XXXX Police Department dispatcher told me that he has police outside my house and they will be coming in to get me if I don't call XXXX to settle a debt. I let him know that they were at the wrong address anyways and he told me they would be picking me up from work if I didn't call that number. 

I called the number and was told that I was being charged with fraud, writing bad checks, and defamation. If I wanted to avoid these charges I would have to : - Pay {$1000.00} today - Agree to pay $ XXXX/month for six months - Pay {$400.00} today and agree to pay {$170.00} for six months I didn't give them any money, but felt like this should be reported. I'm uncertain at the moment if there is a warrant for my arrest, or if police officers will be showing up at my job, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
It has only been a few years since XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : 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 2017-06-08
Company: U.S. BANCORP
State: AZ
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:
Received a cash back rewards offer fro m US Ba nk. Open a    XXXX   XXXX   XXXX   XXXX     account, spend {$4500.00} in 150 days and receive a {$500.00} credit. I applied for the cards, received and activated i t XX/XX/XXXX . The y also solicited me to get additional cards so I directed them to sen d one for my  wife which arrived several weeks later. The structure of their billing is I have  XXXX  account number, receive d one monthly b ill and that bill contained detail for the  XXXX  cards received ; each card had a separate number which was different from the master account number. My first  five statements, which would cover the promotional period, showed a total of {$5000.00} spent.    When I inquired as to my credit I was told I did not qualify because the billing was on  XXXX  cards and a   XXXX   card needed to have {$4500.00} in billing (  XXXX  card had approx {$4100. 00} ).   <P/> Reviewing the offer, under a " ** '' small print section at the bottom it says : " {$500.00} cash back will be credited to your Account if you are approved ... .. and after eligible net purchases totaling {$4500.00} or more are made to your Account within the first 150 days of Account opening. '' At the very bottom of the paragraph it adds " Spend on multiple car ds may not b e combined to meet the requirement '' which is their basis on denying my credit.  <P/> I feel this last line is both not clearly obvious to the consumer and subject to interpretation. It does n't say multiple cards on  XXXX  account ; could be referring to multiple accounts for example where the first section clearly states the reward is based on spending on the Account.  One b ill,  XXXX  Account, and clearly more than the required amount was spent.   I 've spoken to their Customer service dept twice, the last time  on XX/XX/XXXX   with a Supervisor named  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 2019-12-04
Company: Financial Business and Consumer Solutions.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FBCS XXXX XXXX XXXX XXXX XXXX PA is saying that I owe XXXX I do not recognize the amount of the debt and asked for proof of the debt in writing. I to date have not received the proof. They are also calling my cell phone using a autodialer. I have asked them to stop and they will not. I did not give this phone number to the people i incurred the debt with. This is a violation of the TCPA which says Most recently, in 2012, the FCC revised its TCPA rules to require telemarketers ( 1 ) to obtain prior express written consent from consumers before robocalling them, ( 2 ) to no longer allow telemarketers to use an " established business relationship '' to avoid getting consent from consumers when their home phones, and ( 3 ) to require telemarketers to provide an automated, interactive " opt-out '' mechanism during each robocall so consumers can immediately tell the telemarketer to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am being scammed by paypal. 
I have set up a fundraiser for pet rescue which was approved however after having received many donations they just permanently limited my account all the sudden. saying some XXXX that transactions are at risk? seriously donation is a risk transaction? 
impossible to talk to them in order to resolve the situation I have already been seeking legal advice to join a class action lawsuit against them the attorney explained that they are taking money out of peoples accounts without any reason! so basically they just robb our digital wallets! 
please help me get my funds the total amount is {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my chase payment for the month it was declined because of the erroneous purchases. I paid chase immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late. I contacted chase and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe tha t Chase is acting UNREASONABLY,  as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is not a duplicate Congress Collections failed to follow the Notice to Cease and Desist Communication with me from all mediums as violating 15 U.S.C. 1692c. as I stated during my last complaint and my previous phone call. XXXX stated they couldnt identify me to my last complaint I then called and identified myself and told XXXX XXXX to notate my account as well to Cease all communications from all mediums and to date, they are still reporting. XXXX Any injury and damages I suffer from the negligent of this company will result in Federal Court as this is my last time trying to rectify this situation as are continuing to use my consumer report with extortionate means

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2022-04-06
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ive been a victim of identity theft with a credit card from XXXX XXXX  being collected on by cavalry portfolio recov i never used nor gave permission to use this account in my name and ive spoken with several company reps to have this matter resolved as of XX/XX/2022 it is still inaccurately on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: MI
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 tried relentlessly to get an error taken off my credit report. Macy 's American Express will not cooperate with me. I told them I wasn't able to log in to my account so I was unaware of the {$2.00} finance charge that was assessed. I paid my card off in XXXX and had a lingering {$2.00} interest charge on my account. They never robo called me to make me aware of the balance. When speaking to customer service they told me they don't call customers for balances owed that are that low. They sent notification to the 3 credit bureaus that I was 60 days late. I've asked them to remove the delinquency and they keep telling me the investigation is closed. I have proof of my attempted log ins back in XXXX and XXXX. I keep telling them I was unable to retrieve my monthly statement. Unfortunately they keep telling me that the investigation is closed.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted my letters to the credit bureaus to investigate charged off accounts that are not my accounts as well as another persons information listed as mine. I have submitted and asked for deletion of that information and have not received a response nor deletions in the timeframe allotted.

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 2022-04-06
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : 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 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 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 2019-12-04
Company: Experian Information Solutions Inc.
State: GA
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:
There are several accounts that are reporting incorrect status information. I was never late on my XXXX - 30 days in 2019 on XXXX, Experian, and XXXX. 

I was never 30 or 60 days late with XXXX XXXX on XXXX and Experian. 

There are unauthorized inquiries reporting on my credit report : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE

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 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent out Dispute letter of deletion in accordance with Fair Credit Reporting Act 611 to Transunion which they have not responded at all, or even sent me any of the requested information on 7 Different Fraudulent inquires on my credit report

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 2017-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have signed a Deed  in Lieu ( late  XX/XX/XXXX  ) wit h my mortgage servicing company,  Select Portfolio Servicing, and, as per the contract, moved  out by  XX/XX/XXXX . I moved out on time and the property was clean and in good shape. I was promised ( as per the contract ) that I would receive a {$10000.00} relocation check for agreeing to the De  ed in Lieu.
It is now almost mid- XX/XX/XXXX  an  d, every time I call for an update, I get the same response- it is in " review '' and not yet complete.   I get no indication of a time line ( although I was told by them at the beginning of this process that from signing to completion would be no more than 3 months -it has been about 6 month s already ).    The property has been left abandoned ( they have not been out to cut the grass and maintain the outside ) and when I ask who 's responsibility it is to do that, they claim that it is theirs and they will get to it, but they never do.   So, my previous neighbors are left with a property with un-kept lawns and it it looks bad in the neighborhood.   Part of my utter frustration with this is that I can not get a clear indication from  Select as to where we are in the process, how much longer this " review '' will take, and what happens after it gets sent to the county for recor ding ( which could take more time ).   I can not believe this process has stalled the way it has. Not only am I concerned about the state of the property ( a home I loved and took very good care of ), I am also due that relocation check which I really need.   Here are the specifics of my account at Select Portfolio Servicing : Loan #  XXXX  Name :   XXXX   XXXX   XXXX   Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Md.  XXXX  Relationship  Manager :    XXXX   XXXX    XXXX   XXXX   XXXX   I a m also attaching the Deed in Lieu document that executed in  XX/XX/XXXX with Select Portfolio which details all of the conditions.  <P/> My phone # is  (  XXXX  )  XXXX  and e- mail :  XXXX  XXXX  XXXX  if you could please follow up with any news as to my case.  <P/> I am glad I found this outlet as I did not know where to turn and I hope that you can help me to get this Deed in Lieu completed.  <P/> Thank you-  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Synovus Bank
State: NJ
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:
First Progress card has applied fees to the account ( annual fee ) without sending a statement of the due balance, then reported the payment as late. Their online system is unable to accept payment at this time and continues to show this. 

This is the ONLY late payment on any revolving account and it is due to their lack of sending timely statements. I became aware of this due to credit monitoring service. 

They did this same thing last year, however this year their phone number is not working, and they are uncontactable. 

This is damaging my credit and causing me harm with their unfair practices by not notifying me of the balance in a timely fashion and having a payment portal that doesnt accept payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NY
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:
On this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the account.

Company response to consumer: Closed with explanation