BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on  XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX  I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.

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 2016-11-03
Company: Revenue Assurance Professionals LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX ( collections department for XXXX healthcare ) Has reset the dates of my medical debt on my credit reports, in multiple cases is double reporting the debt XXXX 3 times for the same bill, and is not reporting the debt as medical.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Overcharged for something you did purchase with the card

Complaint:
I sent a dispute in writing to capital on XX/XX/2022, and the denied my dispute. I am asking for them to reconsider my original claim. After I contacted the fraud department several times over the phone regarding this issue. 

On XX/XX/2022, I went to XXXX XXXX XXXX XXXX ( XXXX XXXX ) I was in my business trip and I need to get a car battery charged. I was told by the employee it was {$40000.00} XXXX XXXX roughly {$10.00} USD. After the service, they ran my card and when they gave me the receipt, I saw the {$350000.00} pesos that they charged me. I said to them that they over charged me. The cashier laughed and said that was the credit card price. I began to argue, as they had just told me prior to ringing the transaction the original price. The cashier then yelled to the back of the store, and several other employees came out and all walked up very too close to me and said thats the credit price. I was afraid to argue any further and I left. I contacted Capital One and advise the situation on XX/XX/2022, and a follow-up call on the XXXX. On XX/XX/2022, my dispute was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifaxabout erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report inviolation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2015-05-15
Company: Thomas, King & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Thomas King Associates a debt collector has been calling very often to the point of harassment. I 've filed bankruptcy on XXXX XXXX, 2015. By now as a debt collector as of XXXX XXXX, 2015 there is no way they are unaware that I am in bankruptcy as notice has been posted by the Bankruptcy court ... and they still continue to call. 

On top of this, their calls are misleading and deceptive. They call with an automated dialer to my cellphone ( which is illegal ). They say they are doing an asset and liability search and my number has come up in their records, with a message to call another phone number, then they say " Failure to respond will be documented as non-cooperative '', which is an obvious and illegal intimidation tactic. I have attached a recorded copy of this message. 

I 'm creating this complaint so that you can take action against them! Each phone call past my filed bankruptcy date is a {$1000.00} statutory federal FDCPA violation. My lawyer will be following up. 

They have been constantly calling for weeks! I 'm only reporting the ones since my bankruptcy filing. 

To date the calls since my filed bankruptcy, came in on these dates/times ( central time ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-30
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: Account information incorrect

Complaint:
Equifax is reporting a federal bankruptcy on my credit report. The reference number is : XXXX for the amount of {$0.00}. It says the file date is XX/XX/XXXX. This information is incorrect and is hurting my ability to obtain credit. I couldnt of possibly filed in XX/XX/XXXX when I wasnt even born until XX/XX/XXXX. I would like this information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act these companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$980.00}, XXXX XXXXXXXX Balance : {$2200.00}, XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} "

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 2022-06-20
Company: EQUIFAX, INC.
State: NJ
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, and # XXXX - US Bankruptcy Court 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX ID # XXXX attempts to collect on what is KNOWN ID THEFT By USAA FTC XXXX see attatched. see CFPB usaa response. XX/XX/XXXX XXXX USAA IS WELL AWARE OF THIS ID THEFT BUT HARRASSES ANYWAY. 18 SCAM CALLS then I answered. see attatched FRAUD CLAIM DATE {$470.00} XX/XX/XXXX Confirmed Unauthorized and STILL UNRESOLVED.?? see attatched CRIMINAL INVESTIGATION OF USPS DELIVERIES XX/XX/XXXX proof Not delivered into my hands. see attatched ( Duties when ID THEFT Occurs * LAWS IGNORED BY USAA. XXXX see attatched ( FCRA STATUES * 15 LAWS USAA IGNORES. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NC
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 ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Equifax : XXXX XXXX Balance XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance XXXX {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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 2016-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX HUD-1 Settlement Statement, which I had received at the Closing on the evening of XX/XX/XXXX, at the Law Offices at XXXX, IL XXXX, under Attorney-Client Privilege, from XXXX, IL XXXX. I need Bank of America to return that original HUD-1 to me. 

Sincerely, XXXX, IL 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 2022-03-17
Company: Catalyst Mortgage Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX from XXXX gives out an interest rate for a mortgage without being license as a Mortgage XXXX. He is a realtor. Please see screen shot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I mailed a notarized affidavit to PORTFOLIO RECOVERY ASSOCIATES , LLC asking them to provide verification, validation and authenticated accounting information for an alleged debt listed on my consumer report. So that I may study all evidence regarding the alleged debt. As of today 's date, I have not received the requested information or any correspondence. PORTFOLIO RECOVERY ASSOCIATES , LLC is refusing to terminate enforcement and collection of the alleged debt or provide proof. On XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC were mailed a notarized notice of default Affidavit for noncompliance. They are in default and I will be filing a court claim in one week. I am reporting them for violating my rights as a consumer, FDCPA and UCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$26000.00} XXXX XXXX Balance : {$640.00}. 
XXXX XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: U.S. BANCORP
State: AZ
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:
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX issued a credit for {$2400.00}. Credit never posted to my account and on XXXX XXXX I contacted XXXX XXXX XXXX  requesting help to locate the credit. They referred me back to the merchant. On XXXX the merchant sent me a receipt with an authorization code and the transaction date and time. I sent these to XXXX XXXX vis their secure website and they responded they would look into it. I never heard back from them and XXXX XXXX sold their credit card to US Bank. XXXX from US bank contacted me on XXXX requesting I fax her the documentation that I had. It was faxed on XXXX and confirmed it went OKXXXX XXXX contacted me on XXXX stating she had not received the fax and would like it to close the file as the original transaction was too old to dispute and could not help me about the missing credit. I told her I wasn't disputing the transaction as it was legit and the merchant submitted a credit for the trip cancellation. I would like to know how I can get someone to determine where the credit for {$2400.00}. was posted. I would think that the bank would have someway of going to XXXX XXXX to determine what happened to the transaction as the receipt from the merchant showed it to submitted electronically with an authorization code. It is very frustrating that the electronic banking and XXXX XXXX XXXX can not trace a transaction through their system and apparently could care less as they do not have to handle it like a disputed transaction. Documentation attached

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