BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My complaint is about unfair charges. I purchased a printer from  Bestbuy Store on    XXXX   XXXX ,  2017 , using a store visa card issued by Citi Bank, for the amount of {$190.00}. The store never sent me a bill through email or paper until  XXXX / XXXX / 2017 . The balance becomes {$280.0 0}!, thi s amount includes the printer price + late fee charge + store interest from  XXXX  to  XXXX . There is no alert letter sent to me either. I made a phone call for inquiring. After a long conversation with the  manager  of the customer finance service, he agreeed to lower the bill to {$240.00}! He insisted that he could not reverse to the original balance and also stated that the customer still had to be responsible for the overdue charge  ( {$48.00}. ) It 's very frustrated and unjustified to hear him repeated his word. The store ob viously uses a dirty technique to rip off the customer like me for extra charges since no bill has come to me for 2 months. Please investigate and thanks for your attention.

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 2022-05-03
Company: EQUIFAX, INC.
State: NJ
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 has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BTH Management
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tried reaching out to company sent dispute request and proof of identity theft and have not received a follow up response from company. I have tried disputing this matter several times was informed to submit proof of identity theft and the issue still occurring has not been resolved. They are continuously reporting debt on my credit report and are not providing and proof of debt nor are they responding to my request about the matter after providing proof of identity theft. I have the letter and forms attached that I sent via fax, email and mail to this company.

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 2017-06-28
Company: WELLS FARGO & COMPANY
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Wells Fargo appears to have been reporting timely payments on my student loan as delinquent. It is unclear when they began doing this. They provided me a series of cryptic letters about a mistake in my account. It took me a significant amount of time and trouble to get WF to admit finally that it had been reporting the loan incorrectly. It also appears that WF assessed late fees. It also appears that WF deleted documentation relating to my credit history.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 recently checked my credit report through XXXX. I noticed a collection for XXXX XXXX XXXX XXXX  on my Transunion credit report. The debt is with XXXX XXXX XXXX.Which this same company goes by XXXX XXXX XXXX XXXX.I do not owe XXXX XXXX XXXX. I have contacted CFPB a number of times. Regarding inaccurate information being reported to all 3 Credit Bureaus. Transunion, XXXX, XXXX. I have disputed this with XXXX XXXX XXXX XXXX. Which the same company as XXXX XXXX XXXX. This was deleted from my credit report on XX/XX/2017. The CFPB is supposed to protect me the consumer. When receiving a complaint from a consumer. The furnisher has to show verification and validation. To back up an accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate. In any dispute, the furnisher of the information can either verify the accuracy of what they have reported or correct the inaccuracy should they agree that it is currently inaccurate. I am requesting that this negative collection be removed from my Transunion Credit report. As it is inaccurate, and prohibiting me from acquiring promotions at my place of employment. As well as receiving adequate housing due to this collection reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX/XXXX/XXXX I submitted an initial dispute to Experian requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. 
I have sent repeatably letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. Experian keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.

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 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am respectfully requesting your assistance with my Capital One MasterCard account, because since contacting your agency for help previously about other issues with them, Capital One has decided once again to act in bad faith using totally unethical and unscrupulous business practices and tactics to defraud deceive and take advantage of customers that are struggling financially to pay there bills. Capital One never informed me of there intent to give me the royal shaft and raise my annual percentage rate. My APR went from 23.99 % in XXXX, 2022 to 24.24 % in XXXX, 2022 and 25.49 % in XXXX, 2022. When will Capital One be called out and legal action commenced against them for taking advantage of and ripping off unsuspecting customers? I am respectfully requesting your assistance with this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: IL
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on XXXX of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance

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 2019-07-19
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint in XXXX of this year the complaint number is XXXX. As you can see by the record from the CFPB XXXX XXXX dis not respond to them and has never responded to our request to validate the debt. However my wife just saw that they are now reporting negative information regarding her account. I have been a licensed loan originator my XXXX number XXXX i spent 8 hours a year and countless hours during the year to stat compliant with XXXX XXXX RESPA AND FAIR LENDING requirements and i know that they can not, not respond to us and t think they could ignore the formal request from the CFPB is beyond belief. I Am seeking the CFPBs assistance to both correct the negative information and to enforce fair lending rules and regulations.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on Transunion 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at any of these addresses.

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 2017-10-20
Company: Union Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Union Credit Corporation has repeatedly re-aged a old debt and the incorrect information is having a negative affect on my credit report. The company mentioned above has changed the open date on the account on several occasions. I have my old credit reports to prove this unlawful act. The company states that the account was obtained XXXX XXXX, XXXX. And las reported XXXX XXXX, XXXX. In the amount of XXXX. Which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XX/XX/XXXX I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XX/XX/XXXX Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XX/XX/XXXX I resent the original request from XX/XX/XXXX to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XX/XX/XXXX I  received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XX/XX/XXXX requesting signed application ( ATTACHED ) 4. XX/XX/XXXX I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XX/XX/XXXX again Portfolio Recovery sent me the same letter sent on XX/XX/XXXX instead of sending me the fraud packet I requested on my previous letter to them on XX/XX/XXXX ( ATTACHED )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: MS
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 contacted Equifax, XXXX, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. Equifax and XXXX keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fein Such & Crane, XXXX, and XXXX all Violated the law by Dual tracking my loan while I was trying to work on a loan modification. They foreclosed while I was disputing the misapplied payments lost payments and money put in suspense. Fein Such & Crane Dual Tracked with EVERY SERvicer in violation of the LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had tried to make a payment and the bank have declined and suspended my account, they are refusing to close my account and send me my funds They are trying to send me to branch where there was covid problems

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: RI
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 checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on XXXX 1 ) XXXX XXXX XXXX   XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX. Experian 1 ) XXXX XXXX XXXX # # XXXX XXXX, RI XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. XXXX  1 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 4 ) XXXX XXXX XXXX XXXX, RI XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 6 ) XXXX XXXX XXXX XXXX, RI XXXX. I never lived at any of these addresses.

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 2017-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 was looking at my credit report as i am looking to purchasing a home, and there is a charged off account from  Cap One in th e amount of {$2200.00} that was opened in my name  XXXX / XXXX / XXXX  via phone/internet. It had a bill that was last charged  XXXX / XXXX / XXXX  and a last payment received on  XXXX / XXXX / XXXX . I am aware of none of this. I have tried repeated through mail and phone to correct this. I have asked for any verifiable proof bearing my signature. I keep getting a copy of a bill with purchases i never made and payments i never sent, but nothing containing a signature that can help me find out who opened the account and nothing that proves the account is mine. Meanwhile, the account is sitting on my credit report, inaccurately, ruining my credit and preventing me from purchasing the house i want. All i have asked is that it be removed from my credit report until there is some proof bearing my signature that I ever applied for or used this card. I am being unjustly accused of defaulting on a loan i never even applied for. This is defamation of character, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: NCB Management Services 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: Their investigation did not fix an error on your report

Complaint:
refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company response to consumer: Closed with explanation