BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: John C. Heath, Attorney at Law, PLLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I decided to cancel my account with XXXX XXXX and according to the agreement in section IV Term and Cancellation : You may suspend or cancel this Contract at any time and in a number of ways, including : ( a ) telephoning XXXX, ( b ) signing and mailing XXXX one of the Notices of Cancellation, or ( c ) sending XXXX a written request. XXXX honors all cancellation requests without condition or charge that are sent to XXXX within the first five days of the date of this Contract. 

I wrote a letter and I also signed and dated the provided Federal Cancellation Form. Since it was late Saturday afternoon, I was not able to mail it but because it was XX/XX/XXXX ( the 5th day after signing ), I sent an email request with the documents attached, I uploaded the documents via the client website. 
I updated my account and selected Do Not Challenge for all of the negative entries on my report to insure no work would be done before I could confirm cancellation. 

On Saturday the XXXX the 5th day after signing XXXX XXXX charged my credit card for {$99.00}  and not only does the agreement clearly state I have 5 days to cancel without obligation, it also clearly states, several times, This fee will be charged after related services have been fully rendered. However, there were no Credit Repair Communications sent out so services were not fully rendered On Monday XX/XX/XXXX I sent the documents certified mail and I called the support number to follow up with the cancellation. XXXX XXXX is refusing to refund the initial fee of {$99.00} and instead offered me a {$40.00} refund, and that is unacceptable, I only want them to honor their agreement to cancellation without obligation. 

I am attaching the agreement as a supporting document. 


Also I would like to note they incorrectly notified me that a negative item had been removed from my XXXX credit report when in fact it had not. I was sent an email and it was reflected in the client website. 

I am attaching screenshots of the client website and the email as supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 I had wrote all 3 major credit bureaus disputing the accounts in question I had also wrote the creditor disputing the balance as well on XX/XX/2019 and XX/XX/2019, XX/XX/2019. This account is till reporting on all 3 major credit bureaus and now I have collections calling my phone on an account I did not opened. I Have been overseas for the past 3 years and I have been disputing this account since I have been back into the states. I m a victim of identity theft and i have provided copies of my XXXX papers and dispute letters and yet they are still trying to collect money due on the account

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 2021-12-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Purchased item from XXXX, charged it to AMEXPRESS, item shrunk fell apart asked XXXX for return, authorization given, asked for return label, SUBCONTRACTED SERVICE ON XXXX, BASED IN XXXX, FAILED TO PROVIDE PRINTABLE RETURN LABEL! Provided XXXX krix-kracks, attached to the package and deposited at US POSTAL XXXX into UPS designated XXXX cart!! Received temporary credit which was taken back 45 days later. No longer have the defective product, AMEXPRESS charging me {$37.00} with interest!! XXXX service has been interfering into XXXX  business issues and failed to provid proper business instruments. AMEXPRESS MUST PROVIDE CREDIT FOR RETURNED ITEMS WHERE SELLER HAD FAILED TO PRIVED PROPER MEANS FOR RETURN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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  # 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 has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I got my credit card numbers stolen from someone in XXXX, Maryland and they charged {$420.00} at XXXX XXXX online purchase I did not authorize. I need help recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Payward Ventures Inc. dba Kraken
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX stoled {$75.00} from my account online. It was my remaining balance of a XXXX investment. XXXX defrauded me and are reaping the benefits of my {$75.00}. 

They illegally closed my account without my knowledge and XXXX will not refund me my {$75.00}. 

XXXX XXXX should be shut down and put in jail for defrauding USA citizens as XXXX has defrauded me. 

XXXX XXXX is located in XXXX XXXX, California and have numerous complaints of defrauding USA Citizens and stealing their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a XXXX XXXX card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXX  representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX  said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was XXXX after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to XXXX XXXX. The first XXXX  as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these XXXX accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. Equifax never sent me a letter of reinsertion to explain why. I disputed again and Equifax deleted it but then allows it to appear again every month. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: ENCORE CAPITAL GROUP 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 XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Midland Funding 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Southwest Credit Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who this company is or any information on this debt. It's not mine, I've not received anything in writing or even a phone call regarding this debt. As required by law the company must validate the debt, give me 30 days to response to their written response and then proceed from there. I want this removed off of my credit bureau immediately and they should be fined for this illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2017-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THIS LETTER SERVES AS FINAL DOCUMENTATION THAT CONSUMER LOAN TERMS HAVE BEEN COMPLETED ( 1 @ @ @ @ XXXX XXXX XXXX HAS PAID IN FULL AND LESS THAN XXXX DAYS LATE )!! MY CREDIT REPORT SHOULD INCLUDE AND ACCURATE PAYMENT HISTORY ..NOT DELAYED. YOU CAN REPORT A LATE IMMEDIATELY AND NOT REPORT MY PAYMENTS!! USAAlocked me out of online account access and discriminated towards me by saying derogatory information and payments for an unsecured loan not related to secured auto loan! This was retaliation to push me into FORCED REPOSSWEIONAND ILLEGALLY OBTAIN VEHICLE!! 

AFTER PULLING MY CREDIT REPORT, USAA CONTINUES TO REPORT ERRONEOUS INFORMATION IN AN ATTEMPT TO MAKE FALSE DEROGATORY STATEMENTS AS SUBMITTED IN WRITING TO CONSUMER PROTECTION COMPLAINT ABOUT MY CHARACTER AND PAYMENT HISTORY to FALSELY REPOSSESS A XXXX XXXX XXXX. 

I THANK XXXX I DID NOT DEPEND ON USAA FRAUDULENT UNEMPLOYMENT INSURANCE. " PAID IN FULL, '' tells the truth not lies from a collections department. THE FINAL PAYMENT IS BANK ISSUED CERTIFIED PAYMENT AS ALL OTHER PAYMENTS due to USAA LOCKING ME OUT ACCOUNT ACCESS!! 

LASTLY, The USAA complaint response from THE COLLECTIONS DEPARTMENT VIA ATTORNEY VIOLATED - PRIVACY Act BY DISCLOSING MY personal /additional credit history not mentioned in the original complaint ( UNSECURED LOAN ) to retaliate and discriminated against me. BAR COMPLAINT COMING!! 

XXXX XXXX PAYMENTS XXXX WHICH WAS NOT REPORTED TO MY CREDIT REPORT! USAA said XXXX XXXX XXXX XXXX 

PER YOUR CONSUMER LOAN STATEMENT CURRENT BILLING CYCLE XXXX/XXXX/XXXX - XXXX/XXXX/XXXX PAYMENT DUE DATE XXXX/XXXX/XXXX AMOUNT DUE XXXX TOTAL PAST DUE XXXX TOTAL PAYMENT XXXX. I ALSO SENT AN ADDITIONAL XXXX} ON XXXX XXXX, XXXX TO SEND A REMINDER GIVE ME MY TITLE I DO NOT MEET THE CATEGORY OF PAYMENT AFTER XXXX/XXXX/XXXX!! I EXPECT MY TITLE MAILED TO MY ADDRESS BY XXXX XXXX, XXXX ( I WILL GIVE YOU LONGER THAN XXXX XXXX AS YOU STATED TO ME )!!!! I HAVE THE $ $ $!!! PAID IN FULL!! GIVE ME MY TITLE!! I OVERPAID YOU MAIL THE REFUND TO ME!! 

I WILL NOT LET USAA XXXX ME AS I HAVE MET MY CONTRACT OBLIGATIONS AND PAID THE LOAN IN FULL!! I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE TRUTH IS HEARD ABOUT THIS ROGUE COMPANY!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: ND
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:
In accordance with the Fair Credit Reporting Act. XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 602 A, States I have the right to privacy.

These addresses, birthdates and incorrect spelling of my name do not belong on my report. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2022 I have already sent CERTIFIED MAIL with proper identification and proof of address to these credit bureaus on XX/XX/2022, stating to update my correct personal information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for Transunion, XXXX, XXXX and 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 explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.

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 2017-10-24
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SEE ATTACHMENT. I AM A VICTIM OF IDENTITY THEFT. LITTON LOAN SERVICING, LP IS CURRENTLY REGISTERED AS ACTIVE WITH THE CALIFORNIA XXXX OF STATE/FILE NUMBER XXXX. LITTON LOAN RECEIVED VIA A TRANSFER OF A XXXX XXXX XXXX XXXX XXXX ACCOUNT IN WHICH I DID NOT AGREE TO NOR DID I RECEIVE THE BENEFIT OF THE XXXX ACCOUNT THAT WAS CREATED IN MY NAME AND LIKENESS. REQUIRE LITTON LOAN SERVICING, LP TO PRODUCE THE LOAN APPLICATION/DOCUMENTS/FILE AS IT RELATES TO THE LOAN NUMBER ( SEE ATTACHMENT ) THAT REFLECTS THE INTEREST RATE AT XXXX AND DOCUMENTS OF A CONVENTIONAL LOAN. PROVIDE THE CONVENTIONAL LOAN # AND APPLICATION ; PROVIDE PROOF OF LOAN PAY OFF AND REVEAL THE LENDER IT PAID OFF INVOLVING PURPORTED XXXX BANK, XXXX LOAN IN XX/XX/XXXX. SUBMIT AN ACCOUNTING AS LITTON HAS RECEIVED MONTHLY PAYMENTS OF {$1900.00} AND PLUS. SEND RESPONSE VIA UNITED STATES POSTAL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Experian Information Solutions 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 am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.

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 2017-10-24
Company: EQUIFAX, 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 am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XX/XX/XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from XXXX ( XXXX ) on XX/XX/XXXX and XX/XX/XXXX when I 've only applied XXXX time to XXXX. Also for Chase Bank there are XXXX inquiries on XX/XX/XXXX andXX/XX/XXXX when I only applied XXXX time on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
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 sent in a dispute letter to all three bureaus and I did not receive any update after 30days. I then sent in another letter stating they did not respond and begged for a response. After 60 days I have not heard anything.

Company response to consumer: Closed with explanation