BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Cavalry Portfolio a dispute letter dated XX/XX/18 via XXXX certified mail for an alleged outstanding debt in the amount of {$750.00}. It was delivered to them and signed for on XX/XX/18. In my dispute I clearly ask for verification of any signed document by me that says I agree to pay or owe Cavalry Portfolio any outstanding debt. I have never spoken to any one from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe and I'm asking for copies of signed documents, bearing my signature to this account. Cavalry Portfolio has not provided that. What they sent me was a letter dated XX/XX/XXXX, which states they recieved my dispute and not even a copy of a bill ... but a statement showing final charge-off numbers. 

I followed that up with another certified letter dated XX/XX/18 that was signed for them on XX/XX/18. In this letter I continue to state they have not provided me with the signed account documentation I requested. My letter clearly states per FTC opinion letter from XXXX  XXXX XXXX a copy of a bill is not verification. I want the names and contact information of anyone Cavalry Portfolio claims has verified this alleged debt. They responded by letter dated XX/XX/18 by resubmitting the same copy of charge-off figures. Obviously Cavalry Portfolio doesn't have any documents to verify this alleged debt they say I owe them, and are just stalling hoping I will go away. In my XXXX letter I said that I would contact this agency and make you aware of their tatics. If this account isn't immendiately deleted from my credit report, with all credit report agencies, and also not sold to another collection agency my next step will be court action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I submitted complaint number XXXX with CFPB against XXXX XXXX XXXX, the bank respond came as a shock to me since its so contradicted. I stated in my complaint that Im a victim of identity theft and that there is an unauthorized charges on my account. XXXX XXXX XXXX respond with a letter ( enclosed ) that,  quote '' Since you received the order and signed for it, the charge was rebilled to your account on XX/XX/XXXX. ", they only provided me with a proof of delivery not a proof of signature! I did contact USPS.COM and requested a proof of signature ( enclosed ) to be emailed to me and here it is!! The signature on the delivery record is NOT my signature!! I do n't know who signature is this. Therefore, Im stating again that I did n't do any online order, and I did n't receive any order or sign any delivery form and I request Capital One to provide a USPS proof of delivery with MY signature on it, ( I can provide my driving license copy which have my signature on it if requested ). Someone can see clearly in the letter sent to me from USPS that there is a contradiction in the statement!! The letter states that, quote from enclosed letter " delivered on XX/XX/XXXX at XXXX XXXX in XXXX, MI XXXX to XXXX XXXX '' when my name is different than the one signed and there is a clear difference, moreover the scanned image of the recipient information shows that the name is " XXXX XXXX '' not even " XXXX '' Therefor, how can Capital One state that I did sign for the package when they ca n't provide a proof of this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my credit report and found a debt from a debt collector called XXXX XXXX XXXX. First and foremost, I have never received any form of phone calls or letters at all from this company. I have never spoken to anyone from this company either. So when I saw XXXX XXXX XXXX has listed the open date for this debt on my report as XX/XX/XXXX, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX as it states on my credit report. I have not had a XXXX XXXX account since years and years ago. And in all actuality, I have had a XXXX account since XX/XX/XXXX. I believe, XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year the XXXX XXXX account actually fell behind ( I'm thinking it was around XX/XX/XXXX-XX/XX/XXXX ). Which, if I am not mistaken, 5 years is the cut off mark for Florida statute of limitations. So if they did re-age my debt, XXXX XXXX XXXX can sue to collect a debt that may be time-barred. I have a image of my credit report showing the new incorrect date ; as well as, a copy of my original contract with XXXX reporting the date that I started my current account with them that I will be supplying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was harmed by TransUnion a Credit Reporting Agency via invasion of my right of privacy. I was informed of this trespassing against my rights specifically 15 U.S.C. 1681 - Fair Credit Reporting Act by TransUnion a credit reporting agency on XX/XX/2021. According to 15 U.S.C. 1681a definitions of the Fair Credit Reporting Act, I as a natural person possessing an open end credit plan was harmed by TransUnion with the invasion of my privacy by furnishing accounts labelled as exclusions to a consumer report under 15 U.S.C 1681a ( d ) ( 2 ) ( B ), in addition my credit information was given out without my consent resulting in a numerous amount of inquiries now present on my consumer report not attached to accounts further invading my right to privacy as a consumer. Pursuit to 15 U.S.C. 1681n TransUnion is now Civilly Liable to pay me for the damages as well as the hardship caused by the damage caused to my reputation as a consumer in the value of ( {$1000.00} ) per inquiries not attached to an account as well as ( {$1000.00} ) per account furnished by invasion of privacy and inaccuracy as an exclusion from a consumer 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 2022-07-08
Company: NBT BANCORP INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I'm in a very bad hard ship after my wife passed away not bank breaches the XXXX they called when they did not give been working with them on my hard ship the sent a guy to my home very rude demanded the keys I told him I wanted to get my stuff out he got in my face and told me to hand over the keys he took my keys rolled the windows up before all this happens I told him your not taking my car I said I was going to call XXXX got told we are in the right you don't have rights I had to buy a code beforiloose my job home I've been sued I have a hard ship I can prove in court the car has Gap insurance on it iwas told we are obeying the law when they breaches contract I know I have rights I can not afford to repay this loan they did tell me on a recorded line XXXX a month then they said I didn't say that I need help in this matter they also stated bankruptcy will not help you it will not take care of past due amount I know for a fact it does they stated it don't work like that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL 3 BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 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 explanation
Consumer complaint received 2022-07-08
Company: AMERICAN EXPRESS COMPANY
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 have multiple unauthorized hard inquiries on my credit report. 

I dont know if my information is being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Login issues continue over a week. Tried to login on XX/XX/XXXX to pay bill due XX/XX/XXXX without success. Tried again on XX/XX/XXXX - payment due date- around XXXX and received errors. Tried again after XXXX on XX/XX/XXXX and was able to access my account however the time was after the due date time so will be accessed a late fee. When attempting to call the service bot hung up twice. After calling back XXXX times was able to get in touch with a human who ultimately assisted me with my issue/concern. On their FAQ page they indicate that customers will receive late fee waivers between XXXX XXXX however I still experienced issues and errors while attempting to access my account on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

I also tried to use their services to submit a fraud alert and the website repeatedly failed to submit my information. This blatant consumer abuse needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-08
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 XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX  XXXX  Account # : XXXX Account Name : XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/2017 Reference # : 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 explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The headaches with XXXX XXXXNavient escalated when the U.S. Department of Education ( DOE ) cancelled XXXX XXXX federal aid certification, after the US senate cut down spending on american students attending foreign medical schools. In the middle of my studies, XXXX XXXX informed me that I am not longer eligible for deferment as per information from DOE. The proposal was to change to another university approved by DOE, but getting transfer credits was impossible and I did n't want to keep on starting over with XXXX. I had the same problem with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX increased the interest fees by putting my federal loans in-repayment/forbearance, while I was still attending XXXX. 
XXXX  did not report directly to the XXXX XXXX XXXX. Hence, XXXX 's reporting process is on paper. My other servicers ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, etc. ) accepted enrollment certificates without asking me to sign extra forms to put my loan in deferment. On the other hand, XXXX XXXXNavient had been refusing to put my loan in deferment and informed me that enrollment certificates were not enough. XXXX XXXXNavient required me to sign an additional form each time I applied for deferment. 

Navient and XXXX XXXX want unpaid interest to be added to the principal balance, even if the original " Promissory Note '' indicates otherwise. 

On XX/XX/2017, I complained to Navient ( loans transferred from XXXX XXXX ). Instead of fixing the problems with XXXX XXXX, Navient responded by adding 15 fake " missed payments '' to my private loan account, increased monthly payment on my private laon, and sending harassing letters to my co-signer. I do n't want to pay/do not authorize my co-signer to pay the missed payments and informed my co-signer to ignore the wave of harassing letters from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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:
Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress has made it very clear that the banking system is dependent upon fair and accurate credit reporting. Since Transunion has assumed this vital role in assembling my consumer report, not only that they infringed on my privacy, Transunion failed to adopt reasonable procedures for meeting the needs that are fair and equitable to me as the consumer by not exercising their grave responsibilities. Congress has made it known that if Transunion would have adopted reasonable procedures, Transunion would know that a consumer report doesnt include information solely as to transactions or experiences between the consumer and the person making the report as defined. Also, you must have my written consent furnish anything on my consumer report, which I never granted Transunion to do so pursuant to 15 USC 1681b ( a ) ( 2 ) section 604 of the Fair Credit Reporting Act. As of today, my written instructions for Transunion is to remove this account from my consumer listed below :

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I tried to apply for a business Credit card and I was denied due to having too many hard inquiries on my credit report. Checking my credit report I noticed I didn't apply for these tradelines that are listed below. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2017-07-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, XXXX and experion. <P/>I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action. <P/>Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications. My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.

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 2022-07-08
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

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 2017-08-18
Company: CITIBANK, N.A.
State: WA
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 had disputed charge with my bank Citi. They sent me the following : Thank you for contacting Citi ( R ) Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2017 {$5000.00} XXXX XXXX XXXX XXXXXXXX WA Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter. We previously issued a conditional credit to your account for the amount in question pending the outcome of our investigation. Now that the investigation is complete, we have rebilled your account for this charge along with any related fees and interest charges. All adjustments will appear on your statement within 2 billing periods.

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 2022-07-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to purchase a dog from a website when I was scammed out of {$990.00} over XXXX on XX/XX/22 at XXXX and called the bank ( Chase ) at XXXX XX/XX/22 and was told there was nothing they could do. They said they would not refund my money. I then reached out to XXXX as well to let them know about their fraudulent account they allowed money to transfer to and they also said they would not help me obtain my money lost ( also contacted XX/XX/22 ). I reported the scam to the bank within 1.5 hours of it happening and provided all information on website, phone number/texts and no help was provided.

Company response to consumer: Closed with explanation