BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and a XXXX fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, XXXX, and XXXX breach.

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 2022-09-12
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Unfair assessment of late fees & interest. We always be entire balance before due date. Received XX/XX/XXXX credit card statement on XX/XX/XXXX. The same day, XX/XX/XXXX, I mailed a check for entire balance from INSIDE my local post office. On XX/XX/XXXX, I get email from Credit Card company stating they don't have payment. This is the 1st time this has happened. I call. Rep says they don't have check and advises me to put a stop-payment on check. To avoid lateness, we do a 1-time electronic transfer. The next day, XX/XX/XXXX, I put a stop payment on wayward check. The bank makes a mistake. Instead of just stopping payment on that 1 check, the bank mistakenly puts a stop payment on all funds from my checking account to my credit card. The original electronic transfer of XX/XX/XXXX, which had been posted to my checking account, was now reversed ( unbeknownst to me ). It wasn't until XX/XX/XXXX that I get an email from credit card saying payment is late. There is a lot of in-between details, but the bottom line is a new electronic transfer of funds from my checking account to the credit card company was successful on XX/XX/XXXX. However, the credit card company insists I pay the interest charges even though they screwed up by mishandling my check and advising me to put a stop-payment on it. ( Later, I'd learn that the credit card company had, indeed, received the " wayward '' check on XX/XX/XXXX, and if they had posted it then they never would have notified me on XX/XX/XXXX that my payment was not received ; hence, everything after XX/XX/XXXX would not have occurrred, and there never would have been late fees/interest charges in the 1st place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Capital One Bank has been charging {$35.00} NSF fees excessively even after we requested they deny payments. We have spoken numerous times with account managers and supervisors in trying to resolve the issue and stop these charges from occurring. Their business practice is unethical and they manipulate the transactions in order to allow the account to go negative and incur further charges through the month. The conversations I have had with account managers have led to many changes in the account, all to the benefit of the bank and further charges to the account. The total number of {$35.00} fees to date has been almost {$2000.00} as you can see in the statement and Capital One " account specialists '' continue to create an unfair advantage over our very small business causing further fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Personal Statement : I the consumer XXXX XXXX XXXX have took it upon myself to grow my small business into a larger scale operation with corporate entities and to do so I must have respectable credit. In lue of my findings I have noticed two accounts that have been fradulent. I request in a timely manner this be released from my consumer credit report for it has become a great harm to my asperations of growing into the corporate business my family and I deserve. 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 non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: SC
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, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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:
XXXX XXXX XXXX has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified XXXX  XXXX in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XX/XX/XXXXth of every month the account must have a XXXX Balance. Keep this revolving account open indefinitely. Increase my credit limit on this open-ended credit plan to {$50000.00} every month. Remove all monthly balances owed and report Zero owed for every reporting month, since the beginning of this account to all credit reporting agencies. Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. Remove all late payments reported to all consumer reporting agencies. I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/2020, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal 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 explanation
Consumer complaint received 2017-12-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Subject : XXXX XXXX. 

I deposited a check for {$41000.00} in XXXX XXXX on Friday XX/XX/XXXX. Then I wrote a business check for {$35000.00} to my Chase Bank business account, ending in -- -- XXXX. XXXX XXXX check cleared on XX/XX/XXXX. Chase is still holding this check. 

1. I have deposited over {$100000.00} in Chase in XX/XX/XXXX. 
XXXX check was cleared to Chase on XX/XX/XXXX. I have proof from XXXX XXXX. 
2. Today is Friday XX/XX/XXXX the 4th day the cleared check is still not available to me from Chase Bank.

3. Chase said that yes the check cleared but funds have not been released to me yet for my use.

4. Has Chase been receiving interest on this check from overnight deposits with the Federal Reserve? 

Banks have a lot of reasons and loop holes and a lot of lawyers to tell me that the can hold my money as long as they can. What 's my recourse ... ... .. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: SYNCHRONY FINANCIAL
State: NC
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:
accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER REVIEWING MY CREDIT, I HAVE IDENTIFIED SOME INQUIRIES LISTED THAT WERE NOT AUTHORIZED BY ME, PLEASE HAVE THOSE INQUIRIES REMOVE FOR THEY HAVE BEEN INACCURATELY PLACED ON MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: AL
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 been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches including XXXX, XXXX, and XXXX breach.

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 2015-03-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have received a credit report marker for a thirty and sixty day credit marker for my XX/XX/XXXX and XX/XX/XXXX payments. However, I had arranged a deferral contract for my monthly payments to be extended onto the end of my lease period. Because my monthly payments were brought up to date via deferral - my account was brought current in XX/XX/XXXX. I am requesting for the credit markers to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company called " Portfolio Recovery '' is calling my cell phone, but will not say who they are calling for. When I ask for the name of who they are calling they will not answer me. I have requested that they send me by mail a letter explaining this " debt '' that I am totally unaware of, and the woman gets short and says she wo n't work with me unless I give her my name. I feel she should know who she is speaking to before I release any info over a cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Experian Information Solutions Inc.
State: PR
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:
I opened an account ( residential account ) with XXXX XXXX XXXX XXXX ( known today as " XXXX '' ) in XX/XX/XXXX. I personally went to this company and closed the account in XX/XX/XXXX ( I am attaching evidence ). During the last years, this account appeared in my XXXX credit report in the " Closed Accounts '' section until it was removed from my XXXX credit report. Recently ( since XX/XX/XXXX ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with XXXX along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, XXXX did not accept this evidence so as to remove this account from my credit history. I called again to XXXX and they asked me for another kind of letter ( Credit Correction Letter ). Then I called again to XXXX and they informed me that they " will '' send a Credit Correction Letter. Originally XXXX informed me they sent the letter but they did not. Attached you will find evidence that I went personally to XXXX in XX/XX/XXXX to ask for a letter as an evidence that this account was closed in 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 non-monetary relief
Consumer complaint received 2015-08-17
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Company, Omega RMS , LLC is claiming I owe XXXX XXXX ( XXXX ) XXXX and they will restore service. I have never contracted with XXXX and I currently have an active account with XXXX, which I would not if this claim was valid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NC
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 to Equifax and XXXX XXXX regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and capital XXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued without given Noticed by Cooling and Winter Attorney 's at law at or about the middle of 2019 for and alleged debt Re a credit card I once had with XXXX XXXX XXXXXXXX. This account was disputed with proper notices before it was allegedly assigned to COOLING & WINTER ATTORNEYS LLC. In 2019 after receiving debt collection letter from said attorney 's office I started my administrative process and was still sued without proper notice { I found out I was sued by receiving over 20 different letters in my mail from from a bunch of attorneys stating that i was sued in XXXX County Court } this was really embarrassing to know that at the time I was communicating with said debt collector. 

I then sent an affidavit to Cooling an Winter Attorneys at law after which they Voluntarily Dismissed the claim with prejudice after about 7 to 8 months a few months a second claim was filed in the court. 

I Completed another set on Administrative process by sending notices and affidavit where I was only sent one response that they " Cooling at Winter '' is not obligated to validate said alleged debt. 

I had obtained a certified copy of a lien search from the Secretary of State of Georgia on the name associated with said alleged debt which reveal there is no lien filed by Cooling and Winter Attorney 's LLC. am alleging this is a simulation of a legal process which puts the consumer in a disadvantage in accessing credit. 

On Monday XX/XX/XXXX I sent a Notice of Liability with intent to sue and a Bill of Particulars. 

I have reason to believe and do so believe that said third party debt collector overstepped their authority by filing a matter in the court and did nothing to even have a service of processor serve me the summons to answer even after I had completed my second administrative process as at the time of writing this the claim is still before the without the fees to process same. I am alleging this is a criminal simulation as its negligence, incompetent or malice and just a wanton disregard for the consumers laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I believe Ive been impacted by the XXXX data breach. I have inaccurate information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Last month my credit limit was {$10000.00} and then this month it suddenly decreased to {$2000.00}. I was never notified of this adverse action and it's affecting my services since I put my recurring charges on that card.

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 2016-08-03
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
There are two issues. One is the validity of the debt, and the second is the fact that I asked them to stop contacting. I sent a letter certified, return receipt asking them to stop contacting me. They continue to contact 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 2022-09-05
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete XXXX XXXX XXXXXXXX Date opened XX/XX/ 2014 Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief