BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: WI
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 had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM EXPERIAN, XXXX, 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 2020-01-04
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2017-08-23
Company: Comerica
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I closed my account due to stolen card. They told me it was denied me because i make withdrawals at this location. It is the only location near my home. They also stated yhat the withdrawal amount was XXXX at a time where there is a listed withdrawel of XXXX and another for XXXX. This is not acceptable. They alsi saisXXXX did not change my pin on ti.e hkw could i when i did not know till my money was gone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TekCollect Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've requested debt validation and the company has failed to provide any proof that I owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION, I AM NOT REQUESTING THAT YOU REVALIDATE, OR REINVESTIGATE MY DISPUTED ITEMS. 

I am submitting this compliant as you have failed to provide me with a description of the procedures you used to determine the accuracy and completeness of your investigation ( s ) of my disputed items, even though I previously requested this to you three times, in writing, in letters you received from me on ( per USPS Certified Mail tracking info ) : XX/XX/19, XX/XX/19, and XX/XX/19. 

Each time you responded by sending me another copy of my credit report, with simple notations that my items were again validated or updated. That is NOT what I was asking you to do. Again, those letters clearly included requests for you to provide me with a description of the procedures you used in your investigation of my disputed items ; which you did not include in your responses. 

YOU ARE IN VIOLATION of Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ) which states that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, AND that this must be provided to the consumer not later than 15 days after receiving a request from the consumer for that description.

Unfortunately, the time has passed for you to be compliant with this request. The disputed items must now be DELETED from my report immediately or I will be forced to take legal action.

Attached to this complaint you will find copies of the last two letters I wrote ( and referenced above ) requesting description of procedures you used to determine the accuracy and completeness of your investigation ( s ), as well as copies of the USPS Certified Mail tracking receipts for said letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive received pre-recorded spam calls from Harris and Harris regarding a debt. I have no outstanding debts. The pre-recorded message provides no information. I am afraid to contact them for fear they will escalate harassing attempts to collect some debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
this has been a longstanding and unresolved issue. I was a victim of id theft and fraud and synchrony bank illegally took XXXX from my now closed XXXX XXXX XXXX checking account. I was assured that the problem would be resolved but as of yet, the problem still exists and i'm extremely upset by this issue. I've submitted documents and a police report to XXXX XXXX XXXX at XXXX EXT XXXX. I'm extremely angry and I want this issue resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Theres inaccurate information reporting to my credit which Ive tried to resolve previously and the bureaus failed to inadequately provide me with a fair and just investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
The reports in this account is inaccurate. The statuses are reported closed, open and paid. Also I just got a save creditor removed last month then something showed up again. Please have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent information to CFPB about a year ago and did not hear back. That is why I am submitting a NEW complaint. I had to handle the situation on my own! Back in XX/XX/XXXX, I had a servicer called Green Tree Mortgage who contacted me about the new terms and conditions of my loan. My loan was sold to Green Tree from XXXX XXXX XXXX. I was offered something completely unacceptable and went through a 2 year process back and forth in an attempt to get a loan modification. I sent complete packages and was repeatedly denied. Finally, in XX/XX/XXXX, I asked IF I could short sale the property and was told the ONLY way I could do this is to stop paying on my loan. I did NOT want to do this but was told they would release me. But this was a ploy to destroy my credit and foreclose on the property. Early this year, I met with representatives of Ditech, their attorney and the XXXX XXXX County Circuit Court in XXXX XXXX, Maryland. It was discovered during this meeting that Ditech improperly advised me on procedures for completing a short sale. The damage has been done and they also want me to adhere to a promissory note. I should be released from the promissory note. I no longer have the property, it was sold for the current appraised value so they have been paid and made whole! Therefore, I am putting in a complaint against Ditech Mortgage ( formerly Green Tree ). Can you assist me? I want restitution for the damage they have done to me! XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Customer Financial Protection Bureau Supervision , Enforcement & Fair Lending Associate Director XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX OnXX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) alerting the CFPB of American Education Services egregious lending business practices and services. In my original complaint, I explained how I have exceeded repaying my original loan amount. However, AES fraudulent business practices provide for the creation of fabricated documents that restate loan closing terms and reflect invented terms and condition. This has resulted in AES restating usurious loan repayment conditions. For example, to date I have repaid approximately {$73000.00} ( of which $ XXXX has been paid in interest alone ) on an original principal amount of {$60000.00}. Still, AES claims I owe them {$53000.00}. This is usurious and at this point AES is willfully stealing money from me. In its response, AES through XXXX XXXX Vice President of Loan Operations ; represents that my obligation is represented in a document titled a Note Disclosure Statement. It is my position that this Note Disclosure Statement is a fabricated document prepared by AES to illegitimately substantiate claim to collect and in doing so, also prepared fabricated loan terms to further fleece borrowers. This dubious paperwork has been brought to light in recent NXXXX XXXX XXXX article that was published on XX/XX/XXXX. The article points out : Judges have already dismissed dozens of lawsuits against former students, essentially wiping out their debt, because documents proving who owns the loans are missing. A review of court records by The XXXX XXXX XXXX shows that many other collection cases are deeply flawed, with incomplete ownership records and mass-produced documentation. At the center of the storm is one of the nations largest owners of private student loans, the National Collegiate Student Loan Trusts. It is struggling to prove in court that it has the legal paperwork showing ownership of its loans, which were originally made by banks and then sold to investors. I have included a copy of this article that goes into further detail. It has also been announced that the New York Attorney Genral, XXXX XXXX XXXX is now looking into AES & NCTs business practices ( article included ). I encourage the CFPB to open an examination into AES business practices. It is my belief that a proper examination of AES would lead to deficiencies and conduct worthy of an enforcement action or result in a referral to the proper [ state ] attorney general or other federal authorities. Cc : XXXX XXXX XXXX Vice President Loan Operations - American Education Services XXXX, PA XXXX XXXX XXXX Assistant Director Supervision Examinations Consumer Financial Protection Bureau XXXX XXXX Assistant Director Enforcement Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Bread Financial Holdings, Inc.
State: RI
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:
The reports in this account is inaccurate. The statuses are reported closed, open and paid. Also I just got a save creditor removed last month then something showed up again. Please have this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 rewards from credit card

Complaint:
On XXXX XXXX, 2022, I was approved for a Capital One Quicksilver XXXX card with a {$15000.00} credit limit. The only reason I applied for this car was because it can be used as a virtual card online. The card came with an enhanced rewards program that if you spent {$500.00} within six months, you would get {$200.00} in rewards money. I actually earned {$220.00} in rewards by complying with their requirements. 

On XX/XX/XXXX, I attempted to use the card and it was declined. When I check the account online is was listed as restricted and so I called the bank to be told by their fraud department that they needed to verify some of my information but would not share with me why. They asked for, and received, copy of both sides of my drivers license, copy of my social security card and proof of residency in the form of my property tax bill with my address, legal description, etc.. 

On XX/XX/XXXX, they called and said since I had copied my drivers license front and back onto the same sheet of paper, they could not use it, had to have it copied on to two sheets. While a ridiculous request, I complied and sent them two sheets.

Two weeks later, I get a call that the property tax bill wasnt proof of residency even though its actually issued by a local government and contains my address as well as other information about my residence. They needed a bank statement with full account numbers showing or a utility bill. I sent them a bank statement for one of my accounts with the account number showing, address, balance in the account etc., as well as a copy of my utility bill from XXXX XXXX for my trash pickup. 

On XX/XX/XXXX, I get a call that my XXXX proofs of residence were not satisfactory and I decided enough was enough and asked that they close the account and forward to me the {$220.00} in rewards that I had earned. They refused, said they could not release rewards money on a restricted account even though I had complied with all their requests. 

They closed the account and are refusing to pay me the money legally due to me. Yes, its a small amount but they have put me through far more aggravation that any financial institution should inflict upon a customer. They have steadfastly refused to tell me why the card was restricted to begin with and this from a bank who suffered a major data breach a few years ago, making me concerned that somehow my information had been compromised but again, they would not share the reason with me. 

I have contacted their CEO with this problem and he forwarded it right back to the fraud department. The people working in fraud refused to give me their names, only employee ID numbers and refused to let me record my conversations with them even though they were recording it. I have no where left to turn to resolve this issue, hoping you can help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of XXXX, my wife and I each made a {$3500.00} charge to XXXX XXXX XXXX XXXX, on our United Airlines/Chase credit cards. The cruise was canceled. On XX/XX/XXXX XXXX issued refunds to our now expired credit cards. Chase has no record of our credit cards, or the refund. After multiple calls I went to my local Chase Manhattan branch in XXXX, and presented them with : 1. A hard copy of the XX/XX/XXXX Chase statement indicating the charge. 
2. A hard copy of my two {$3500.00} payments from XXXX XXXX  to Chase Manhattan on XX/XX/XXXX. 
3. A hard copy dated XX/XX/XXXX from Chase Cardmember Services, indicating they closed my account with a {$0.00} balance, and inviting me back. 
4. Copies of the interbank transfers from XXXX to Chase Manhattan for {$3500.00} each. 
Chase has not refunded our two {$3500.00} ( {$7000.00} total ) refunds, and can't find any records, even after being provided hard copies of all transactions. 
Chase Manhattan owes us {$7000.00}. 
Chase has copies of all documents which were presented to XXXX XXXX XXXX Branch Manager XXXX KY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. I notice on my credit report that there was a collection for XXXX XXXX in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to XXXX XXXX and it still showing on my credit report. WHY???? 
I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit

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 2020-01-04
Company: CITIBANK, N.A.
State: TX
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:
In XX/XX/XXXX, I purchased an appliance from a Sears  XXXX in XXXX, Tex. 
Sears sold or assigned my purchase agreement, without my knowledge or consent to a Citi Bank Master card firm in XXXX XXXX, SD. This Master Card, SHOP YOUR WAY MASTER CARD became the creditor and mailed me an account statement. 
The terms of this statement stated my balance due with monthly payments of {$28.00}, first payment due XX/XX/XXXX. 
On XXXX, XXXX, I mailed a bank check for {$84.00} to Shop Your Way, with the notation that this payment was for XXXX, XXXX, XXXX & XXXX XXXX. This would make my next payment of {$28.00} due on XX/XX/XXXX. 
I received a letter from MasterCard stating that I " COULD NOT BE CREDITED WITH AN ADVANCE PAYMENT '', and my next payment for {$28.00} would be due on XXXX XXXX, XXXX. I refused and did not make any payment in XX/XX/XXXX. 
I received a statement in XXXX that I was being charged a {$28.00} " Late Fee '' and my next payment due was {$60.00} due on XXXX XXXX, XXXX. 
I attempted to resolve this situation by telephone with a Master Card employee. 
This foreign speaking female told me, very emphatically, that MasterCard " DID NOT PERMIT ADVANCE PAYMENTS '' and my next payment was due, with a " LATE FEE '' was due on XXXX XXXX. I am not going to be taken advantage of by this deceitful policy. 
My next payment is due on XX/XX/XXXX, and I will never pay a " late fee '' to MasterCard. I believe that Citi Bank, & Shop Your Way MasterCard should be held accountable for this reprehensible, mendacious treatment to a customer that has paid his account in advance and then charge a " late fee ''!

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 2022-10-03
Company: EQUIFAX, INC.
State: WV
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:
I am a natural person. I am a living human being. I have a right unneeded 15 USC 1681. 

Equifax is govern by 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didnt not give Equifax any written, oral and any sort of permission to furnish theses accounts. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted the company to make a settlement offer and expressed concerns over the balance being extremely incorrect. They refused to investigate the legitimacy of the balance and started settlements are only offered once a year at random to select debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 reason

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