BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature fornthis accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
CLAIM ID : XXXX Account Ending in XXXX I would like to request for my dispute with ID XXXX to be reopened and for my account to be credited with the amount of {$1300.00} as I confirm that I have returned the jacket following all the instructions provided by the merchant, and to prove that point, I'm sending attached the following documents : XXXX. XXXX Tracking Label originally provided by the merchant with Tracking Number XXXX where you can see the tracking updates showing the timeline since I dropped off my return to it being received by the merchant 2. Merchant original confirmation stating that they have received my return 3. Ongoing email conversation with merchant where they failed to address their ability to locate the return delivered to their warehouse 4. XXXX XXXX XXXX complaint related to this case In the observance of the above documentation, I think it becomes pretty clear that I followed to the letter all the instructions provided by the merchant, and if the merchant claims that they have not received the returned merchandise, that's their fault, not mine. 

Attentively,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : Address, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : First name, Last Name XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 writing to dispute the credit reporting practices of XXXX XXXX  concerning my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXXXXXX XXXX has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXXXXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXX XXXX. The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting XXXXXXXX XXXX to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.

Company response to consumer: In progress
Consumer complaint received 2024-01-06
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have top tier credit. I have been having this card for over XXXX years as I use it for my business. It went from XXXX XXXX dollars to XXXX in one day as they reduced my credit without notice. I have a credit score of XXXX with no missed payments. I use this card for business and now the limit is too low and they can not explain to me why they did so

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 2023-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX, IL XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Block, Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Vacation rental payment total of {$1500.00} through Cash APP from my bank account and {$500.00} through my credit card on XX/XX/2023. Vacation rental was a scam purtraying to be the rental owner. Reported as a scam and my bank denied a refund due to using Cash APP. Cash APP declined my refund request / dispute and advised contacting the party I paid. Contacted the scammer for a refund and they tried to get more money before giving my refund. I have reported to police, FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2023, we were notified that XXXXXXXX XXXX sold our mortgage to Carrington Mortgage. On XX/XX/2023, we received our monthly mortgage statement and it said we owed for XXXX and XXXX on XX/XX/2023. On XX/XX/XXXX, we received a delinquency notice stating we didn't pay XX/XX/2023. This makes no sense! How is this possible? 

I called and spoke with XXXX of Carrington on XXXX XXXX, 2023, who said they would not remove us from delinquency status after I requested them to do so. She said that we were due XX/XX/2023 even though our first mortgage statement says XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit 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 called American Express and XXXX XXXX XXXX after being released from a hospital to report that I was not aware of my credit card being charged this amount due to a two week stay at a XXXX hospital. First, American Express credited my card ; then they said I would have to pay the {$7000.00} which I have been doing in order for my credit not to be destroyed. I feel that I am being discriminated against by both American Express and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Genesis Credit Management contacted me based on a landlord falsely stating I owed them money. They've reached out via email saying I owe them money and that my credit will be damaged in less than two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Bread Financial Holdings, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These individuals persistently disregard my explicit request to cease contacting me, despite my clear communication that their actions feel like stalking and harassment. Their conduct demonstrates a blatant refusal to adhere to both federal and state laws governing their operations. Moreover, they have repeatedly contacted my previous phone number, even after I explicitly instructed them to stop doing so. In a further intrusive and unsettling move, they obtained my new phone number from a list, seemingly with the intent to continue their harassment. 

To counteract their disruptive behavior, I have taken the precaution of blocking several of the numbers they employ for spoofed calls. For reference, here is a list of recent harassing calls from Portfolio Recovery : XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery contacted me from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery reached out from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery made contact from the number XXXX. 
XXXX. On XX/XX/2023, at XXXX XXXX, Portfolio Recovery attempted contact from the number XXXX. 
XXXX. Again, on XX/XX/2023, at XXXX XXXX, Portfolio Recovery called from the number XXXX. 

I am deeply concerned about their persistent disregard for my request to stop contacting me and their apparent intent to evade my efforts to block their calls. This situation has created a significant disruption in my daily life and well-being. I seek your assistance in addressing this ongoing harassment and ensuring that my rights are respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
MY DAUGHTER WAS RACIALLY/GENDER PROFILED TODAY IN A BEST BUY STORE IN XXXX, OHIO My XXXX was added as authorized a couple of months ago on my Best Buy Card. She went into the Best Buy store in XXXX XXXX Ohio today to make purchase for a XXXX '' XXXX XXXX XXXX  that we had been discussing. When she got inside the store spoke not only XXXX not XXXX but XXXX people whom could not did not want to help her due to her XXXX XXXX XXXX, They continue to pass her off while I was on the phone they continued to conflicting information which all was untrue, then when I requested to speak with all of them they would not take the call. Then she ask to speak with the supervisor who totally ignore her I tried calling the store and got the run around. Then my daughter was told to just order online and pick it up when I have a paid in XXXX XXXX XXXX membership which her delivery and install is included now that you have degraded my daughter and treated her like trash i seriously considering cancelling my card for this reason and the next. I made a XXXX payment on the XX/XX/2023 XXXX via bank and XXXX via debit card. When she tried to do order on line it declined I tried it it declined why hold up payments and credits XXXX day later. This unethicle to hold payment to gain interest on my money and not allow my card to be freed up. So not only was my daughter treated like trash from the low grade employees with bad attitude unwilling to help and my daughter and myself was treated like trash by the store manager who looked like he did not want to be there. I called customer service 8 times no help I ask for citi bank they transferred me to banking. Now not only were we treated like trash in the store due to race and gender but now the overseas help was talking smart as well I called from XXXX phone XXXX and XXXX My daughter was also told that she needed clearance to use the acct without the card someone from customer service drop the ball XXXX months ago there set to virtual and they never mailed her a card. Also they argued with my daughter that she was not an authorized use I took a screen shot and sent to her so they could see and they said she was when she clearly is.

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase has frozen access to my funds in both my checking accounts and my savings account. I am unable to access my money in any way for about XXXX weeks and am now behind on bills. I have been to the branch twice with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When I went to check my consumer report I noticed There were accounts that I had no knowledge of the accounts were MIDLAND CREDIT MANAGEMEN and XXXX XXXX XXXX. I have never done any business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Chase was closed and there no information given to me as to why. Both my checking and credit card were in good standing with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To Whom it May Concern, My name is XXXX XXXX Ive been a customer for some years now and I can not believe how I was treated after coming back from XXXX on my trip. I contact tj max rewards card regarding removing a late fee and no help at all. I also started to receive multiple fees which I have no idea where they came from. After login in everyday the charges changes. This is unacceptable and I would like a fair share of removing the 30 day notice off my credit because this was not my fault after being away. As you can see I am always on time with my tj maxx card. I am an excellent customer on payment and on time as you can see. Thank You!

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 2023-09-14
Company: EQUIFAX, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATION/XXXX  XXXX were still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
My CaptialOne Savor one credit card has not yet been reported to any credit bureau 's the card was opened/activated in XX/XX/XXXX made a big purchase and paid it off in full on XX/XX/XXXX - WASNT REPORTED again in XXXX made a purchase - STILL NOT REPORTED not even when the account was activated it was not reported this is impacting my score and I would like this to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief