BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: OK
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 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX # 1958, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX # XXXX ) Account ( XXXX # XXXX ) Account ( XXXX XXXX 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 2022-04-14
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: Personal information incorrect

Complaint:
I have made online disputes with all 3credit bureaus they always come back with it and not remove them

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 2017-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had acredit card with capital one and i was pay in time every month and every thing was good, and on XX/XX/XXXX i reopened checking acount on XXXX XXXX i had it before but with new acount number and the same routing number, and when i caome to pay the bill of capital one on XX/XX/XXXX iput the old account number of the chase account because the customer service on XXXX XXXX print the old checking deposit statment .not the new account. So capital one returned the payment and when i got the mail from capital one i contact with XXXX XXXX  and they gave me the right deposit statment and at the same day i paid the bill again on XX/XX/XXXX and its still was n't late payment but i found capital one closed my account with no reson

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: DISCOVER BANK
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX Discover announced that they would offer 10 % cashback ( doubles 1 year later to 20 % for new members enrolled in double promo which was me ) for all XXXX Pay purchases using a Discover card. Press release available XXXX I contacted them XXXX to ask about any transaction restrictions and advised there were none. Due to the incredible value of the promo, {$1000.00} cashback on {$10000.00} purchases doubled to {$2000.00}, I decided to buy XXXX Watch for nearly {$350.00} as it would be profitable. 

On XXXX, Discover changed the terms to exclude gift cards. They had 9 days of internet speculation and the promo was already live and then they decided to exclude gift cards. They did not, however, update their terms and conditions until later that evening. I have the original terms along with my XXXX conversation which I will upload. 

Further, on XXXX XXXX, they sent messages to many card members stating purchases we made contained a gift card and would not be eligible unless we provide a receipt to prove otherwise. There are many reports online of people who received these emails for purchases that did NOT contain a gift card. This means Discover is guessing based on transaction amounts and retailers and now, days short of two months after announcing the promo, expecting cardholders to have saved receipts we were not told to save. They are placing the burden on us. Guilty until proven innocent. 

In addition, Discover has no definition of what is a 'gift card '. I purchased some XXXX Cash Reloads which are not classified as gift cards and are used to load a XXXX account. 

So Discover has changed terms twice, once to exclude gift cards and now two months later to require receipts we were not told to retain. We only have 21 days to provide receipts. I authorized Discover to obtain receipts XXXX which they said may take 30 days. 

How can Discover run a promo that they do n't have the infastructure to support? If they ca n't prove a gift card purchase, they ca n't exclude it. If they want receipts, we need to be told to keep them. It 's just ridiculous and now I 'm out an Apple Watch and many transactions I did assuming I would get 10 % cashback doubled to 20 % because Discover has gone back on their word and been so incredibly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX Gas Rebate World MasterCard states that you will " Earn XXXX % rebate on gas purchases - capped at XXXX % of your total monthly purchases '' When I inquired as to what the result would be of only purchasing gas and nothing else I was told that I would receive a XXXX % rebate. I made this inquiry two times by phone and the representative was confused and needed to speak with a supervisor to confirm the rebate features, but both times stated that I would receive XXXX % in rebates if I only purchases gas. 
I used the card to purchase only gas and received a XXXX % rebate, not 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 monetary relief
Consumer complaint received 2020-04-02
Company: Prosper Marketplace, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I scheduled a payoff payment on XX/XX/2020 in the amount of {$1700.00} to be transacted on XX/XX/2020. I contacted the company on XX/XX/2020 to determine the exact payoff amount because a payment would be debited on my personal checking account on XX/XX/2020 and needed to confirm if I should deduct the amount from the payoff amount. I was advised by XXXX that I should CANCEL the {$1700.00} payment and schedule a payment for {$1300.00} which would be the payoff balance on XX/XX/2020. I did as advised and cancelled the payment online on XX/XX/2020. XXXX confirmed the payment was cancelled. On XX/XX/2020 Prosper processed an ACH Debt transaction in the amount of {$340.00} which was the standard scheduled payment. On XX/XX/2020 they processed an ACH Debit on my personal checking account for {$1300.00} leaving a XXXX  balance. On XX/XX/2020 they also fraudulently processed an ACH Debit on my personal checking account in the amount of {$1700.00} against an account that had a XXXX dollar balance. On XX/XX/2020 I immediately contacted Prosper when I noted the fraudulent transaction that was not authorized. I was advised the transaction was done but would not be corrected until XX/XX/2020. I advised XXXX, XXXX and XXXX in three different conversations that the return of the stolen funds was NOT acceptable and the amount had to be returned today. They could not provide any proof the money was being returned or a transaction number of the return of the funds. They are currently refusing to return the money that is not owed in the amount of {$1700.00}. I was unable to escalate the call as they would not allow me to escalate. This money should be returned to me with interest and the company should be charged with fraud.

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 2016-09-27
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Thursday XXXX XXXX, my mother, sister in law. my ex-mother in law and my ex-mother and laws mother ... .. all received calls from a company called NP group. They were calling to trace and locate me. The message left reads as such ... " This message is regarding our location and tracing efforts for XXXX It is important that we speak to you regarding their whereabouts. If we can not verify this information through you. The law allows us to contact all references on file, dial XXXX not to speak to a representative or call XXXX. If you are unable to provide any information concerning the whereabouts. Please call the office regardless at XXXX. Your immediate response is appreciated. '' I have not outstanding debts with anyone and have on several occasions contacted the FTC on loans I do not owe. I would like this company to stop calling me and any of my relatives current or past. They do not have the right to harass these people or myself on a debt that does not exist. They have since called several more times to these same people. I have called more than once to get this resolved. I called the first time and it went to a machine and asked for my name and number and they would call back. The second time the phone just rung over and over with no pick up. The 3rd time it put me on hold and then to dead air. The last time the representative wanted to confirm my Social Security number where at that time I declined to give her that information and so she said she was n't going to do anything unless she knew I was the right person and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Entered into Bankruptcy in XXXX ( XXXX  XXXX ) and voluntarily dismissed it on XX/XX/XXXX. Wells Fargo ( XXXX XXXX XXXX ) is stating I have failed to make payments and has moved forward with foreclosure proceedings. However, the Bankruptcy Trustee made payments and provided documentation to Wells Fargo attorney, XXXX, XXXX XXXX  XXXX, proving payments had been made. On XX/XX/XXXX, I spoke with a Representative at XXXX ( ID # XXXX ) & requested proof of payment history in order to compare to the payments made by the Trustee. To date, I have not received this 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 2020-04-02
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This case is a follow-up to Complaint ID : XXXX, where the full complaint details are attached within the PDF files below. 

When calling Navy Federal Credit Union looking for a resolution, they were unable to address the concerns I had with their company and the reasons why they breached my security ... nor did they resolve my issue regarding communication directly. 

Instead after breaching my security, by letting the Co-Guardians submit papers via fax, Navy Federal Credit Union allowed the Co-Guardians to re-release held with funds from my accounts or assets at the time, and re-write the beneficiary to the Co-Guardians themselves. 

As discussed, in the previous complaint against Navy Federal Credit Union, the Federal Credit Union handled the matter internally, but did not communicate with me ... the former account-holder about the circumstances. 

I may be unable to contact the credit union based on unethical standards performed in the transaction of {$1800.00}, based on their policies ... but I have attached an authorization to release information form ... which should be routed to an appropriate party. 

As Navy Federal Credit Union is unwilling to share more information with me, and the Co-Guardians deposited the funds into a separate account, legally and specifically blocked to my access ... I would ask this secondary complaint to be submitted to them. 

In addition, since there may have been financial theft or losses, by the credit union regarding my assets or membership, which seems improper to me ... and/or other parties, I am attaching the Authorization To Release Information, signed by me to overturn their unethical decisions and release information to the appropriate attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: U.S. BANCORP
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
A charge of XXXX was placed against my card for XXXX XXXX dress. I had to guy a gift card given the value of the dress exceed XXXX However the item was damaged and returned to XXXX XXXX. The company said it would go back on my Visa ( the XXXX ) and it didnt. 
I tried to file a dispute with US Bank over this with documentation, but they ignored it as they couldnt be bothered with my dispute. Bottom line is they know the item was returned and that I am owed XXXX. They just fdont work for the best interests of their customers. 
I want my XXXX back now.

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 2022-04-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent accounts and fraudulent inquiries, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this. 

Also, the company is reporting false information on my credit report such as not reporting Choice Recovery but the alleged Doctors office " XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) and XXXX  XXXX XXXX XXXX XXXX  with acct numbers : XXXX - {$47.00} and XXXX - {$48.00} I called the number on my credit report and its listed XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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:
Submitted a dispute letter regarding inquires on my report that I do not recognize or authorized XX/XX/2022. I have not received a response. Letter was submitted with other dispute letters regarding my address and Public Records.

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 2021-10-27
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, I was applying for a mortgage with XXXX XXXX middle of XX/XX/2021 ( Mortgage Loan Officer NMLS ID : XXXX PNC Bank ) when she just stopped responding after I emailed her all my financial documentation. I feel my identity has been stolen just like my financial information. I never got a response, tried to email her or call her, and just no response at all. I feel she stole my identity. 

( c ) XXXX ( f ) XXXX XXXX XXXX PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and XXXX XXXX XXXX XXXX, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 an account without my written intrusions.

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DIDN'T RECIEVE ANY RESPONSE HOWEVER, SOME OF THE ITEMS THAT I REPORTED WERE DELETED AND SOME WERE NOT. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.

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 2022-09-10
Company: Kikoff Inc.
State: GA
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 State, I have the right to privacy.

15 USC 1681 Section 604 State A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have made online disputes with all 3credit bureaus they always come back with it and not remove them

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 2015-11-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
To Whom it may concern, I am a victim of a predatory loan, ever since I try to refinance the morgage company is not returning my phone calls, I was going througth a financial hardship and this morgage company came with terms that was supposed be better for my mortgage, I was paying {$2700.00} a month then they offer me that if I refinance things will be better. Studently when the new morgage payment came it was for {$3700.00}, I call them and call them and they never got back to me, my loan was {$350000.00} XXXX and now in the statemens say I owe them {$580000.00} XXXX ( with all the fees they say I owe ) yesterday I saw they put the house to auction for ( {$780000.00} ) XXXX, I am trying to contact the lawyer that has my case ( lawyer that works for lender ) and they being avoiding me too. I guess this my last resource before I go to the news and release my statement. Please help, I went to my house and the bank send someone and took all my documents in the floor and guess but the only took the loan papers everything else it was there, I guess they not trying to incriminate themselves. If you go online you will find a lot people taking about this morgage company, what they did to me they have done to other people. Please help, do n't let this criminal get away. I decided to take this step because I believe in justice! And even if I have to go to Washington I will because I am not gon na let them take my house because they think people has no education.

Company response to consumer: Closed with explanation