BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: EOS Holdings, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed this account many times with no results, upon " verifying or validating '' i received a bill which does not meet FCRA requirements, i have emailed, faxed and certfiied mailed a copy of my identity theft report with no response. I am attaching that information as follows also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I own a Macy 's American Express credit card. In XXXX of 2015 fraudulent charges totaling {$440.00} appeared on the card for lotion purchases at a non-Macys store. I immediately called the credit card company and filed the necessary fraud dispute paperwork. In short, they did not even open my fraud paperwork until XXXX 2015 and in the meantime were reporting my account as delinquent to the credit bureaus, thus damaging my credit score. I have called in every month to company and each time they state they just do n't have enough staff to process claims and there are system problems and my claim is not yet processed. I since paid the charges to prevent further damage to my credit score and am now trying to recover the money from Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: NJ
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 made a previous complaint about a closed account on my credit report that Experian refuses to remove even though I submitted a letter showing this item was suppose to be removed. That was the agreement for payoff. In their response Experian claimed this is not on my account but I have a screen shot showing it is and a letter from XXXX agreeing to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a check to Avant LLC on XX/XX/2022. Avant LLC cashed my check on XX/XX/2022. However, Avant LLC stated they had not received a payment as of XX/XX/2022. I sent Avant a copy of my check on XX/XX/2022 as proof of payment. I received a conformation email on XX/XX/XXXX stating that they received my documents. I called today, XX/XX/2022 asking to speak to a supervisor and I was told no supervisor was available. I was also told this on XX/XX/2022 when I called. On today, XX/XX/2022, I was then told Avant LLC do report to the credit agency and that interest and fees would still accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BBVA Compass has failed to honor a Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Between XXXX XXXX & XXXX XXXX 2017, BBVA Compass has deflected, obscured, obfuscated, delayed, and been generally non-responsive when presented with the Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Whether through negligence or willful & malicious intent, BBVA Compass and their representatives, agents & /or assigns have failed their fiduciary responsibilities related to the account of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and XXXX are two different Company showing on my credit report and I know anything about this. This is fraud and I know anything about this reporting on my credit report. 

XXXX, I have no knowledge of this account and XXXX, this is unverified account

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 2022-01-27
Company: EQUIFAX, INC.
State: CT
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:
YOU ARE IN VIOLATION!!!!! 

EQUIFAX is furnishing a unauthorized inquiry on my reputation that i have disputed in 2021 and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction whis states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. 
Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX is allowing inaccuracies to be furnished on my consumer report. This act of XXXX XXXX has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for deletion of said disputed item ( XXXX XXXX XX/XX/2021 ) and paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. 
Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Late fee

Complaint:
I used a balance transfer on my Union Plus credit card to pay off other credit card.s. My minimum payment was {$25.00} a month. I made monthly payments of {$50.00} a month. XX/XX/2016 my minimum payments doubled from {$25.00} to {$56.00} a month. According to representatives XXXX and XXXX, this was because my account started accruing interest. This does not explain why my minimum payment almost doubled. I do not use this card for purchases. It was strictly to transfer a balance from another credit card. Capital One has now added late fees of {$35.00} to my account since XX/XX/XXXX which they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My credit scores are way too low for my excellent credit history. It seems like the bureaus are getting kick backs from financial institutions to keep the consumer down to pay the very high interest rate loans.

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 2018-02-11
Company: BARCLAYS BANK DELAWARE
State: IL
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 customer service

Complaint:
XX/XX/XXXX, Barclaycard US website and customer Service down. Can not login or speak with anyone. XX/XX/XXXX, same issue. XX/XX/XXXX, customer Service rep answers but does not speak English or comprehend what I am asking and refuses to help me any further. Discontinued my call. I have been trying to re order new cards to use, I didnt receive new cards in the mail. Should be a simple transaction. Still can not login online, doesnt accept any of my personal information.

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 2022-01-27
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I believe I received an email or notification when I logged into my KeyBank Checking account that if I opened a savings account with at least a {$10.00} I would receive a {$35.00} bonus. I opened a KeyBank savings account on or around XX/XX/2021 with the first ( and only ) deposit of {$50.00} deposited on XX/XX/2021. I never received the bonus. I went to the XXXX, OR branch on XX/XX/2021 and asked why I didn't receive the bonus. The clerk didn't know and called corporate. I don't remember the reason I was told why I didn't receive this bonus, having just been told that I didn't receive the checking account bonus either. I just remember thinking that these promos were all deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Transunion to get these hard inquiries removed off of my account. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. They refuse to remove them and I want them done. 

The hard inquiries are XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XXXX XX/XX/2016.and XXXX XX/XX/2016

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 2020-01-07
Company: Bread Financial Holdings, Inc.
State: MA
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 balance transfer

Complaint:
I had applied for Balance Transfer  with my XXXX card Comenity Bank XXXX XXXX XXXX XXXX of dollar XXXX in XX/XX/XXXX. I had given below details on my request. 
Card Number XXXX XXXX XXXX XXXX XXXX XXXX CARD account I waited for some time for balance transfer to show up in my XXXX checking account but when I didnt received I started calling Comenity bank and they asked me reach out to XXXX XXXX. I reached out to XXXX XXXX  on chat and call but didnt help. I told XXXX representative how I can share evidence shared by Comenity bank. They asked me to send mail which I did After talking to Comenity rep. He told me that we should not put debit card number in balance transfer may be that is leading to this break but I was not aware of that at that time. They were saying initially that they will cancel it and it would reflect in my account after a month but after few weeks they would send me mail that my request is rejected and I need to check with XXXX XXXX  and they kept charging fees and interest on balance. I ever reached out to XXXX handles of Comenity Bank but they also came back with same response Comenity said, money have been deposited in below account but XXXX said they are not able to trace it Check Serial Number XXXX Posting date XXXX XXXX XXXX Account Number XXXX RT XXXX Comenity bank is saying that this check has been deposited in XXXX and hence they cant cancel this transaction from their side. I have contacted XXXX with check details and they say that they are not able to locate check and Comenity bank Operations team should initiate a query with them and Comenity bank said that they cant do that, and I will have to check with my XXXX XXXX  I have talked to customer care of both the banks multiple times in XX/XX/XXXX and I have also send them written letter with all proofs but still Comenity said they cant do anything and XXXX XXXX  never came back I have stopped paying Comenity credit card after they started charging me late fees and interest charge back and again Also I have closed my XXXX recently Can you please look into this request and help me trace the check with XXXX XXXX  1 ) Trace this check and send it to me or cancel this transactions completely 2 ) Remove Balance transfer of XXXX and all fees and interest charged on my account since then

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: NY
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 found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I went on a trip to Wyoming and the hotel was terrible so i wanted to have wells fargo get my money back and I used my debit card to get hotel ... ... ... .here is the information I had put in claim to try and have wells fargo help me ... ... .. {$470.00} dollars claims assistance center ATM/Debit card Claims XXXX. XXXX XXXX XXXX, NC XXXX Wells fargo denied this and said they closed claim. I wasnt treated fairly and wells fargo said I had stayed at XXXX XXXX hotel all the time I was there which was only 4 days and so the swimming pool was always under maintenance and jaquizzi was never working until last day and maid service after 2nd day there was not good to standards because i had not got what i needed so couldnt take shower because no clean towels and also back door of hotel entrance to get inside to my room was not working last 2 days there so had to use longer route to room. Also I had a maintenacne guy finally bring me towels to room and then last day maid service was there but I could n't possibly know of what was going to be happening while staying there so weels fargo said that they made decision based upon that i had stayed there and i was there only 4 days and had to drive over 100 miles to XXXX Colorado to catch my flight plus return rental vehicle to so I though since i did n't know when all of things had started happening more after few days staying there that i wasnt going to ask for refund yet until i got back home and was very tired and miserable because i could n't sleep right half the time either and im a XXXX veteran so I 'm on a limited income also and cant just jump from hotel to another one that fast plus money and so i had all things starting to happen over course of all the four days there anyway so how come wells fargo cant help me to get my refund back ... ... .This had been a lesson learned to never ever get a hotel like that one. Also since wells Fargo bank said i stayed there well of course i had really no choices after it was occurring at different times for most of things that happened to me and so there fore i feel that I fully deserve a full refund from that hotel through Wells Fargo Bank and I cant control that hotel and time frames of when it all occurred.I know wells said I stayed there but it all happened at different times and 4 days is such short time to stay at any place ... ...

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 2022-01-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have disputed the information you listed on my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status

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 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the  FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX 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 2022-01-27
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received a XXXX  bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. On the statement it stated that I have until XXXX XXXX to this dispute. 

I looked on my credit report on XX/XX/XXXX they reported on collections without giving me a chance to dispute this according to the XXXX XXXX 

This is violation of my consumer rights.

Company response to consumer: Closed with explanation