BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I disputed the charge wit key bank twice they gave the money back twice and took it again after they told me to shut my account down and make a new one to solve the problem! I have XXXX kids and aint working they took my last i Just want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: MD
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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is saying that I opened an account with them for new phone service. I never did and never have used any of their services. I have XXXX as my cell phone co. They sent me a bill for {$55.00} dollars and I called them XXXX times to explain I never signed up for anything. They turned over the matter to a collection co and now they are calling me. I asked them to go back and listen to the calls and they will see that I never signed up for any service. I am being harassed by XXXX XXXX and this outside collection service. It's outrageous and unprofessional. I will never do business with XXXX XXXX  as a result of this. How do I make them stop calling me and make sure that they don't report any negative items on my credit report. I also contacted my credit card company to report the fraud. They reversed the charge on my credit card bill. I literally have no marks on my credit report. Also can you make them stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company LVNV FUNDING LLC showed up on my credit report as reporting a collections for {$270.00}. I do not know this company and I do not owe LVNV FUNDING LLC anything. I have NEVER done business with them. This is FRAUD to put this on my credit when I do not know them. They need to remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
American Express upgraded my card from Gold to Platinum which gives me a spending limit of {$30000.00}. Since my credit history was perfect and I never missed a payment, I was offered credit with a higher rate. So I decided to make a purchase and use the card, I even called them before making a purchase and I was told and verified that it's okay and I can use it for my purchase. 

However, credit is denied but not given a reason why and was refused credit even though I'm qualified for it. They disabled my Platinum card and I was told that my spend limit was downgraded from {$30000.00} to {$7000.00}. Called them but they discriminated me, I was treated differently on the phone as they were having a hard time pronouncing my name. 

Afterwhich they sent me an email downgrading all my other credit cards. 
I have a {$12000.00} spend limit which they downgraded to {$4600.00} and the other card was downgraded from {$12000.00} flexible to {$15000.00} down to {$6000.00}. ( will attach the emails ) It is very unfair that all my other cards were downgraded when they were the ones who purposely upgraded my card and there is no basis for the downgrade. It was clearly credit discrimination because of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a letter to EXPERIAN disputing : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. <P/>I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. <P/><P/>These accounts are fradulent and EXPERIAN did not conduct a through investigation according to the FCRA. These Contracts were cancelled or rescinded and should not be reporting on my credit report. <P/>EXPERIAN responded stating that it meets FCRA requirements which is false. <P/>I SENT EXPERIAN the returned letter from THE XXXX XXXX XXXX XXXX ACCOUNT # XXXX stating that this item was returned to me from the address that was reporting on my credit report fraudulently. I 've attached the document with this complaint. Experian did not delete this account from my credit report they updated an address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish 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 2017-07-03
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/XXXX my Chase credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$15000.00} to {$7700.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. <P/>First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my Equifax credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to their customers private information. I seek swift punishment to those behind this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company The Bureaus has yet to show proof of an account that they claim is mine. I believe it was the capital one account i dispute a year ago, which was deleted off my account due to it being an error. This  company the Bureaus is not a law firm/ or stating litigation. They are simply just trying to get money out of me with no proof of signature regarding an old incorrect issue on my credit reports. They need to delete this negative incorrect information for XXXX dollars off my account as this is not mine nor do i owe this money. This wrong information was settled last year when it was deleted. I sent them a certified letter via mail more than 30 days ago to stop harassment and to delete. However it is still on all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: TX
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 XX/XX/XXXX, I forwarded a dispute letter to Equifax regarding a credit card that I satisfactory paid off and attached a copy of the receipt with the dispute letter. I received a response in XXXX of XXXX stating that the information was verified and the account was updated with the changes. I pulled my annual credit report in XX/XX/XXXX and I noticed that not only was the XXXX XXXX account still on my credit report as a " Charge-Off '' but the balance was wrong and it did not display any corrections that I was informed of in XX/XX/XXXX. I submitted another dispute letter to Equifax on XX/XX/XXXX, requesting that they correct my report to reflect that my account was satisfactorily paid in full and remove the charge off on my report as noted on the receipt. On XX/XX/XXXX, I received a letter from Equifax stating " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ''. The credit reporting agency falsified their statement, but the incorrect information is still on my credit report. It is hurting my credit score and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
( XXXX ). On XXXX, I mobile deposit a Wells Fargo check # XXXX in the amount of # XXXX to XXXX  XXXX XXXX XXXX account. Wells Fargo debited my account on the same date XXXX XX/XX/XXXX. the Check amount was shown credited to my XXXX  account on the same date XXXX XX/XX/XXXX. ( see statement attached ) ( XXXX XXXX. On XX/XX/XXXX Wells Fargo debited my account again for the same check # XXXX in the amount of {$1400.00} XXXX a total of {$2800.00} for the same check ( see statement attached ). 

( XXXX ). I contacted Wells Fargo on XX/XX/XXXX about the debit on XX/XX/XXXX. Wells Fargo credited me {$1400.00} for debit made on XX/XX/XXXX and said they will dispute the claim. 

( XXXX ). On XX/XX/XXXX, an adjustment was made for check # XXXX for {$1400.00} was debited from my Affinity account. 

( XXXX ). I contacted XXXX  and I was told that the adjustment was made as a result of the funds were not dispersed to them for the XXXX from Wells Fargo. therefore the Federal Reserve debited my account. ( as you can see from bank statements both debit by Wells Fargo was applied to my account, and my account had sufficient funds available. 

( XXXX ). I ask why was the check showed credited to my account if they didn't received the funds, the representative stated that once a check is posted to the account they automatically credit the account until they received the funds from the other bank. 

( XXXX ). Wells Fargo investigated the issue and said, they credited me {$1400.00} on XX/XX/XXXX relation to the claim and that they have resolved all concerns, and recommend that I work with XXXX  and the bank who debited the account directly. 

( XXXX ). After receiving the letter from Wells Fargo, I contacted XXXX  and inform them of wells Fargo recommendation. XXXX  refer me back to Wells Fargo because they didn't received the funds from them and that's why they had to make the adjustment to have debited my account on XX/XX/XXXX. 

( XXXX ). I further contacted Federal Reserve who refer me to you. 

( XXXX ). Wells Fargo debited my account for the amount of {$2800.00} for the same check # XXXX, I was only credited {$1400.00}, and my affinity account was not credited the other {$1400.00}. Therefore Wells Fargo still need to credit me back that {$1400.00} that affinity didn't received.

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 2022-05-01
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/2019, I requested verification under section 609 ( a ) ( 1 ) ( A ) to XXXX, XXXX, and Equifax. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is ground for removal since they also violated my rights under 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 instructions. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions 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:
On XX/XX/XXXX I pulled an Experian credit report. I found XXXX credit files for car loans on the file from XXXX. I called on the XXXX th of XXXX for explanation as I had only requested XXXX auto loans. The first was opened on XX/XX/XXXX for a XXXX XXXX. This loan was then closed and reported as requested by me. I asked for paperwork that I requested this closure which I did not. The second loan opened on XX/XX/XXXX for the same XXXX XXXX. I have no knowledge of this loan and never requested and such loan. I got no response from XXXX on the phone inquiry. I then sent a certified letter on XX/XX/XXXX to the address supplied by Experian. I recieved this letter back from the postal service on XX/XX/XXXX as undeliverable. I wish the XXXX loans removed from my credit report on all credit services as XXXX has violated the fair credit reporting act and possible forgery of banking documents.

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 2022-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Portfolio Recovery has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not 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 2022-05-01
Company: CITIBANK, N.A.
State: AL
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX/CBNA Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604A Section 2 : States that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed fraudulent accounts on my credit report with XXXX, TransUnion and XXXX in writing twice. I requested that XXXX, TransUnion and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of TransUnion over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF TransUnion has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617. <P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from TransUnion and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first XXXX letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.

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 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I Purchased a car XXXX/XXXX/XXXX for {$15000.00} under a not " as is '' sale from XXXX XXXX XXXX After XXXX/XXXX/XXXX notice the car had issue windows, radio and other electrical issues not working properly, so I contacted the company I purchased the car from. The store I originally purchased the car was no longer in business so I was informed to go to another store. I went to the new location and met XXXX XXXX the GM, he offered me to trade the car but add the old car balance to the new car balance. I did not agree with it that solution.I tried to trade it in at another location on my own. The salesmen did a car report on the car, only to find the car was in 4 accidents, the battery had previously exploded in this car before I purchased it. So I continued to try numerous times to contact the company for help. This went on for a year or so and eventually the car caught a fire and finally the engine blew.I have been renting cars since XXXX and paying the car note to keep my family a float. I contacted the XXXX and they contacted XXXX XXXX only for them to lie again and try to get away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over the past 8 years in speaking with The Navient team, I was advised to take advantage of the loan forgiveness program which was communicated to freeze payments and interest on my federal loans. However, It looks like my interest in loans has been compounding over the years. I originally took out XXXX in loan and now I'm close to XXXX in total debt because of interest. Over the last 10 years, I've basically been out of full-time work so I have hardship paying back the loan. 

CFPB did sue the company Navient for failing borrowers and used deceiving information. These tactics have illegally misled me and I'm ready to leave and want to get rid of my navient contract. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This may be considered as a double complaint. I have been trying for several years both with my servicer and my attorneys office who processed my bankruptcy to have my mortgage payments report on my credit bureau. I filed in XXXX of XXXX. I was not aware that there were additional steps that should have been taken to be sure my mortgage was reaffirmed. I reached out to my attorney XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX and inquired as to why my payments were no longer being reported on my credit. I have also contacted my servicer XXXX mortgage with no progress from either party. This has caused me great hardship and has effected my ability to refinance my property. Im reaching out for assistance in having the mortgage servicer to report my on time payments. I have not been late on my payment since XXXX. Please investigate.

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