BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are many accounts on my report that are inaccurate I would like them investigated and removed XXXX. Date last active, date open account status last time active the list goes on multiple accounts with inaccurate information grounds for deletion " usc 1681 a under the FCRA I have Rights to privacy and my rights have been violated please review documents thoroughly thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX account number XXXX See attached documents. This account should read XXXX balance and CLOSED. 

The attached are from FEDERAL BANKRUPTCY COURT. Signed by a FEDERAL Judge. 
Failure to properly note credit report is violation of FEDERAL LAW! 
This is solely on EQUIFAX not XXXX XXXX. 

EQUIFAX will be reported to XXXX XXXX Bankruptcy Trusteee and Magistrate if this inaccurate information is not corrected. LOOK AT THE DOCUMENTS ATTACHED!!!!!! 

They are from FEDERAL COURT. They Trump any documentation by XXXX. 

The ACOUNT SHOULD read CLOSED and XXXX balance just like the DOCUMENTS FROM FEDERAL COURT!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
XXXX XX/XX/2022 : I checked my XXXX Credit Report and there is a new hard inquiry on the report from JP Morgan Chase Bank dated : XXXX XX/XX/2022 in which I did not provide my approval or have any awareness of. Im afraid my credit may be compromised or a company had illegally shared my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: Financial Accounts Service Team Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted my internet provider ( XXXX XXXX ) via email to cancel my service on XX/XX/XXXX. I had paid the bill for services from XX/XX/XXXX to XX/XX/XXXX. I then received a bill for services {$100.00} for service for the period of XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX and reported the error. Since I terminated service on XX/XX/XXXX, I felt that I did not owe for the XXXX to XXXX billing and did not pay for the XXXX invoice. They disagreed. They turned it over to a collection service : Financial Accounts Service Team XXXX Inc. When I received the first letter from them, I contacted them by phone that I was disputing the charges. They would not dismiss the charge. I have written 3 letters disputing this charge. XX/XX/XXXX- XX/XX/XXXX XXXX XXXX, XXXX. And they still will not take this charge off of my XXXX credit report. I disputed the charge with XXXX credit agency and with XXXX XXXX XXXX. XXXX credit agency accepted my dispute and removed it from my credit report. But XXXX will not remove it from credit report. Since I cancelled the service on XX/XX/XXXX I feel that I do not owe for services from XX/XX/XXXX to XX/XX/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 2022-05-30
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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings On XXXX XXXX, XXXX I purchased a gold coin from the XXXX XXXX online using my XXXX credit card. 
A package was delivered on XXXX XXXX, XXXX. I have a copy of the delivery verification from XXXX. However, when it was delivered the person ( my spouse ) who received the package claims that she did not sign for the package. She did receive the package though. The document that I have regarding the package does have a signature for the package but my spouse claims it is not her signature. 

The package remained unopened until I could set up an account with XXXX, a coin grading company. As soon as the XXXX account was established, I forwarded the package received from XXXX still unopened to them in Florida. Soon afterward I was contacted by a XXXX XXXX XXXX from XXXX ( XXXX ) informing me that the package I sent him was empty, there was no gold coin in the package sent from the XXXX XXXX. He verified this with photos and email contact. 

I was completely dumbfounded at this point. 

I contacted XXXXXXXX XXXX XXXX  to dispute the charge and apparently it was resolved quickly in XX/XX/XXXX in my favor though I don't remember receiving any confirmation of this. 

Within the past month now, XX/XX/XXXX, I have received notification from CBE Group regarding this episode claiming that I owe them {$3200.00}. as a debt to be paid. {$2400.00} for the coin and {$740.00} for administrative costs. 

I have contacted XXXX again regarding this manner over the past week and they claim that the dispute was resolved in XX/XX/XXXX in my favor. They also claim today that the XXXX XXXX admits fault regarding the transaction. They are sending me copies of the details ( I hope ) regarding the matter. It will take a few days to receive them. 

I have the option to dispute this transaction with CBE Group until XX/XX/XXXX. I do plan to do that but hope you can help guide me with options. Contacting anyone directly involves at least one hour of my time with any party involved; XXXX XXXX, XXXX, XXXX, CBE Group, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Chime Financial Inc
State: OH
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:
My utility company, XXXX XXXX issued a return of payment/ refund in the amount of {$1000.00} on XX/XX/2022 and Chime has yet to post the credit to my account. The credit was not posted still after a three way conference call with the vendor, who submitted electronic proof of the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Account information incorrect

Complaint:
Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. 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 2022-05-30
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: Account information incorrect

Complaint:
Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CITIBANK, N.A.
State: OH
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:
I have a Citi Double Rewards card. I used it at a XXXX XXXX XXXX. I had XXXX rewards points removed from my rewards account automatically without authorizing or accepting the " offer. '' When I called the Citi XXXX rewards program, I was told it is an opt-out process for each transaction. They were willing to offer a XXXX time credit for the most recent deduction I noticed, but were unable/unwilling to " unlink '' the XXXX  offer from my account. I was also told that the XXXX program can not be separated and I can not opt-out of this or similar offers. I was told to consider using another credit card at XXXX, XXXX, or XXXX gas stations, as well as XXXX as they all have similar practices. 

The issue is that the XXXX program automatically gives less value other programs. XXXX gives a cash value of XXXX points  per dollar, as compared to XXXX points per XXXX dollar for other conversion options. 

I am complaining because the practice is deceptive as it requires specific action to prevent the action, and the conversion rate is not disclosed, making it impossible to understand that the conversion is actually removing value and essentially " ripping off '' users.

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 2015-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX ran a LexisNexis Credit report on me in XXXX of 2020. This was done without my knowledge or consent the letter from XXXX XXXX XXXX states : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX NY Notices XXXX XXXX XXXX, XXXX, NC XXXX. It was a very strange letter. I can provide it if needed. 
The letter stated to contact XXXX XXXX or LexisNexis for a Free Copy of the credit report. Neither would give me a copy. 
The letter stated to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on both XXXX and Lexis Nexis. XXXX XXXX Financial Services Examiner 3 at the XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX } responded back approximately 6 months later stating they have no authority over credit related matters. XXXX XXXX said he closed my case ; he gave no advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am called every morning before at XXXX XXXX. Just this week alone, I was called at XXXX XXXX on Sunday, XXXX XXXX on Monday and XXXX XXXX Tuesday. This has happened every day for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Discovered a collection account # XXXX XXXX XXXX XXXX on my credit report. Mailed a certified validation letter to Resurgent Capital Services/ LVNV funding dated XXXX XXXX, 2015 and signed for on XXXX XXXX. Received a letter dated XXXX XXXX that an investigation was initiated on my behalf. I have heard nothing else from them. The validation of this account was not completed within the 30 day period allowed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: BOGMAN, INC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have started going through a hardship since me divorce was finalized in 2014. My ex husband stopped paying half of the bills like we were both accustomed to doing. I lost my XXXX after Making Healthcare Affordable Act was passed because those employers needed to make sure everyone had coverage or they had to pay a fine. After the last unemployment term for 2 weeks, I found a job working at a XXXX XXXX making {$XXXX}. This salary barely covered filling my car 's gas tank weekly. I was able to pay certain bills but not all of them. After working there for 4 months, I found another job making more money. I started getting caught up on the bills and 3 weeks later, the job ended. I found myself unemployed for two more weeks. I did finally found a job making more money and now i am trying to get back on track. I had did a Loss Mitigation package three times and every time I leave voicemail messages for the XXXX contact people I have, no one never returns my calls. I need an answer because I want a resolution that will be fair to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I looked at my credit report. It says I have a {$7000.00} credit card with Wells Fargo. I never applied and was never told accepted. I dont have any information about this in my emails.

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 2017-03-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We obtained an equity line from Regions Bank in XXXX, 2016. We were n't given the loan documents prior to signing them and still have not been provided with executed copies. We were told on more than XXXX occasion by the loan officer prior to signing the loan documents that we would not have to pay a {$1500.00} prepayment penalty if we closed the equity line within two years, if the reason for closing the equity line was due to the sale of our home. We recently sold our home. When we ordered the payoff, Regions included the {$1500.00} prepayment penalty in the payoff. We then spoke to the loan officer who confirmed that he told us we would not be responsible for the prepayment penalty if we were closing the equity line due to the sale of our home. He said we should n't be responsible for the fee and would work to get it waived. When we did n't hear back from him, we spoke to the area Vice President. Despite confirming the representations made to us, the area Vice President said Regions refused to waive the fee.

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 2022-05-30
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received a call from Navy Federal Credit Union in regards to making a payment on my account. The reason I was unable to make the payment was because Navy Federal Credit Union restricted my account and I'm unable to make payments which is unfair to I, the consumer. They accused me of fraud when all I did is help my family members and friends apply for their credit products. The reason why federal credit unions were put in place under the Federal Credit Union Act were to help people who are unable to receive credit from banks. There is a large amount of the minority population that do not understand this. As an informed consumer, I know my rights and did nothing but help my people who were in need. Your money is from the federal reserve and is reserved for me. They also restricted my credit cards so they have the accounts open and I can't even use them. They are charging me interest on cards that I can't use. They also held my money and gave me no way to access the funds as all of my cards are restricted. So in order to make the payment, I would have to call them every time to do so. Under truth and lending, 15usc1666b ( a ) " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date. '' I have never received no documentation from navy federal and if they claimed to have delivered it online, I had no access to this document, therefore it wasn't delivered to me. The late payment is on the date of XX/XX/2022. I spoke to a manager from XXXX XXXX named XXXX and she claimed to say they had a confusion of my address on file. I have proof that they do have my address on file, because the recently sent a bank statement to me with the money that they've been holding. She also didn't give me information that I could dispute the late payment with the creditor directly which is a violation of the Fair Credit Reporting Act. My account was restricted, my credit cards remained opened and unable to be utilized. There are more violations that were violated but I don't need to list all of them. I will attach proof that they do have my address on file and did not deliver the documents necessary to put a late payment on my report and well as proof of the account being restricted so I'm unable to access any digital documents delivered as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter owns this money not me I already talk to them, they said they were going to remove this collection from my credit score they have not done it.

Company response to consumer: Closed with explanation