BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are some derogatory collections on my XXXX, XXXX, and XXXX, consumer report. All of the debts are at least XXXX yrs old or more. XXXX company continues to report the wrong information. when asked to verify the accuracy of the accounts ( XXXX date delinquent, date account was opened. There is no accurate response. These are all unfair practices of this company. XX/XX/XXXX, I paid creditors off because I was trying to purchase a house. After I paid everything, my credit begins to increase. But in XX/XX/XXXX the collections emerged after years of no communication and being closed and charged off by grantor. They begin to post dates and amounts on the accounts that were not accurate. I requested verification for the date account opened, XXXX date acct became delinquent, original creditor info and when was account purchased. They have begun to post every month that I have been missing payments when the acct has no verified history. Now my credit is taking a big " XXXX '' all because of this company 's negligence. Please help me remove this information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: NC
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:
I never received my {$99.00} companion certificate from my XXXX XXXX CitiBusiness Platinum Select card. 
Opened account and made first charge XX/XX/XXXX. By XX/XX/XXXX spent {$45000.00}. Annual fee of {$99.00} was on My XX/XX/XXXX statement which I paid. 

XX/XX/XXXX go to book flights and can't find companion certificate in my digital or app account with XXXX XXXX or on Citicard account. I called Citi customer service and was told they mailed it in XXXX but would send another. I received a letter from Citi dated XX/XX/XXXX that the companion certificate will be sent under separate correspondence and it will be digitally accessible at XXXX and in the XXXX  XXXX XXXX within 8-12 weeks. Letter said to call XXXX if I need further assistance. 

XX/XX/XXXX I received an email for XXXX XXXX with American Advantage who told be Citi handles the certificates and I need to request it from them. 

XX/XX/XXXX I spoke to XXXX at XXXX. She spoke to account services and they said validated the certificate and I would receive it by letter and email in the month of XXXX. 

XX/XX/XXXX I called XXXX and was told I would receive the companion certificate in 7-10 business days. 

XX/XX/XXXX received a letter from Citi thanking me for contacting our Customer Service Team but the offer I received was for a limited time and the expiration can not be extended. I never asked anything about an extension. I received this letter XX/XX/XXXX. 

XX/XX/XXXX Called XXXX Spoke to XXXX, she said there was a request in the system dated XX/XX/XXXX requesting the certificate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-31
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dates and times of phone calls from Comenity Bank to my personal cell phone - a total of 56 phone calls in 14 days. These calls are listed as being originated from the following locations and numbers : Comenity Bank XXXX XXXX  XXXX, KS Comenity Bank XXXX XXXX, OH Comenity Bank XXXX XXXX, OH XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX These calls are logged in my cell phone call history and with my carrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a Kohl 's department store card for years now. I have never been late on the payments for each month. One month I made the payment on the due date before XXXX of that evening. The next month I received a call from Kohl 's statng that my account was late. I explained that it is was not late and the payment was reflecting in there computer ( rep told me this ). I was then told that the cut off time for payments is XXXX. So my payment is now consider as late. The rep had offered me where if I make next month 's payment and the following month 's payment at the time I was on the phone with him it will not reflect as paid late on my credit report. I agreed and made the 2 advanced payments. Then the following month I noticed it was was showing as a 30-90 day late payment still on my credit reports. I again disputed the information and also contacted Kohl 's customer service and was told it will not show as a late payment. That did not happen. Again I contacted Kohl 's and was told that capital one is the one who holds the Kohl 's account so I contacted capital one and explained the whole situtation to them. I also explained that I do not like making payments in advance for the following month. I pay my bills monthly. The rep from capital one told me that there is no such thing as making advance for the following month and skipping a month. I again explained that kohl 's would tell me that ex : Pay a certain amount ex : {$75.00} and that would cover for 2 months and I would not have a payment till after 2 months. I did not like to to do that as it is confusing. I pay all my bills on time before the due date and never miss any payments. I again contacted Kohl 's customer service and again explained the whole situation and was told that they will send me a letter stating that my account has never been paid late ( I spoke with a supervisor ). I received the letter stating the my account is in current and good standing. I submitted this to all 3 credit reporting agency 's. I believe XXXX  finally corrected it and put this account from an adverse account to an account that is satisfactory but XXXX  and XXXX are still reporting it as an adverse account. This is affecting my credit score. I've been with Kohl 's department store for a long time and never had any issues until now. Actually I just checked my XXXX credit report and it was corrected and taken off so it's just XXXX and XXXX. It make no sense that the status is showing current paid as agreed but yet listed under an adverse negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER
REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled an XXXX XXXX XXXX debt with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$350.00}. XXXX XXXX XXXX accepted the {$350.00} payment on XX/XX/XXXX ; however, they refuse to acknowledge the settlement. They sent the remaining balance to a new collection agency named XXXX XXXX in XX/XX/XXXX. I disputed with XXXX and sent them a copy of the settlement agreement, so they didn't collect any longer. XXXX XXXX XXXX sent this to a new collection agency in XX/XX/XXXX which resulted in another collection account on my credit report XXXX XXXX causing my score to drop 40 points for a debt I settled over a year ago. I've made numerous attempts to XXXX and XXXX XXXX XXXX over the past year without luck. XXXX says it's XXXX XXXX XXXX 's fault and XXXX XXXX XXXX says it's XXXX 's fault. They each point fingers at each other and no one will take ownership to help resolve. Additionally, XXXX XXXX XXXX complaint and dispute department refuse to provide an email, fax, or address to send proof of the settlement or to make a complaint. The last two managers I spoke with were XXXX employee ID XXXX and XXXX XXXX. I've attached a copy of a reproduced settlement letter from XXXX XXXX they resent to me XX/XX/XXXX from the XXXX settlement and a copy of my bank statement on pages 2 and 5 of 10 will show this amount coming out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
State: NY
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:
I purchased HVAC systems for {$3300.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. During the next few months, I reported malfunction and multiple issues to the vendor but they refused to allow me to return items and issue a refund. I was forced to report to credit card companies : JPMorgan Chase on XX/XX/XXXX for {$3000.00} charged on United Visa card and to XXXX on XX/XX/XXXX for {$310.00} charged to a XXXX Credit Card. After XXXX XXXX full investigation, they resolved the dispute and issued {$310.00} credit on XX/XX/XXXX. JPMorgan Chase continued to deny the dispute after we presented them with a professional inspection and testing report that shows the HVAC systems made by XXXX XXXX XXXX XXXX  do not meet standard heating requirements. We also provided the return tracking and bill of lading that shows the defective HVAC systems were returned and accepted by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, we faxed all supporting documents to JPMorgan Chase United Credit Card dispute department, and on XX/XX/XXXX, a dispute supervisor in their Texas office informed me that JPMorgan Chase continues to deny the dispute and refuses to issue {$3000.00} credit for the returned and defected HVAC  systems. That left me no other choice but to find protection with Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. EQUIFAX, XXXX, and XXXX have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( Equifax, XXXX, XXXX ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I recently checked my credit reports and noticed this account on my credit. After some investigation, I realize this account belongs to XXXX XXXX XXXX, XXXX  XXXX. I wrote a letter and I didn't hear anything back from the company. I have asked for a copy of the signed lease agreement to prove the signatures are different. Please assist me in removing this from my credit. 

Thanks,

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 2023-08-01
Company: EQUIFAX, INC.
State: PA
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:
FCRA is clears stating that consumers credit report has to be 100 % accurate and complete. 
The following following Tradelines does not have date that accounts were closed. Account listed be are incomplete and inaccurate. 

This is a violation of the FCRA. 
XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
UNAUTHORIZED INQUIRY 'S ON 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 2021-07-31
Company: SYNCHRONY FINANCIAL
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:
Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX line of credit is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.

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 2023-11-03
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Hi I bought a home in XXXX Pa.I ended up filing a complaint against my realtor.Due to neglegence and violated our contract.The home I paid for the guy who owned it.Did not tell me about prior issues.I had the city come in and found out there is a ton of issues the prior owner new about but failed to tell me of the issues.We had to rewire the intire home and add a new heater and ac unit.I paid XXXX on top of the XXXX offer.It turns out this home has so much work to do that it so far costed me over XXXX.I then notified the loan agent and realtor.I also paid XXXX he was to buy a washer, dryer fridg and stove.Those items were not working.So I had to pay money twice for items I paid for prior to me buying the home.I ended up in XXXX  after a total XXXX XXXX.I got behind by one payment.And I paid it.With 4 XXXX late fees.I went to the realtor hearing.Turned out my loan agent went in to testify against me.I had talked to him emailed and called on the phone of all these issues.The last owner did not fix it.We found pipes being held up by leaves to cover up a giant hole in pipe.My realtor also threatened to end my sale at table.Because she had a side deal with a guy that was to buy my home.It turned out he had none.So she wanted to make a deal to pay him even after not buying my home.And I refused.So I filed against her.My loan company gave my loan to two different companies.They stated they would not report me late that I should pay prior to them posting.The hearing was XXXX.Right after I found out they posted it to my credit and reported the months I was still paying every month but backed by one.I feel XXXX XXXX did this out of spite due to my complaint against his friend my realtor.I feel this had something to do with me being XXXX and damaged my credit just because.I went through a lot and this company retaliated against me due to my complaint against my realtor.I have the text and pictures of the home.There is almost XXXX in work that newds done.Because of the contraxt I would not of bought the home if I new there was so much work needed to fix it.But because of retaliation, and me being of XXXX and my complaint They are purposly damaging my credit and reputation.I bought the home XX/XX/.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank closed my account and did not give me all the money back. They closed my account because I deposited a check of my friend in my account. She owed me some money and I took the check as a payment of her. Now, Citibank does not want to give the money back and is asking the issuer of the check to ask for my money. How another person will be asking about my banking information? This is a confidentially violation. They can not share my information with more people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
We had some late payment on out account due to the XXXX XXXX Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 4.

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 2022-12-16
Company: EQUIFAX, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation