BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: Phoenix Financial Services LLC
State: AL
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 received a copy of my credit report in XX/XX/2018. I noticed that Phoenix Financial Services had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Phoenix Financial Services ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Phoenix to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Phoenix has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, timely and verifiable information. Per return receipt ( see attached ), Phoenix received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Phoenix is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: JPMORGAN CHASE & CO.
State: IL
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:
I made a large purchase on my chase freedom cad with the intent of using Chase Pay. According to the program, I can enroll the large purchase in a chase pay payment plan as long as the amount is over {$100.00}. Well my purchase was {$2900.00}. Ive called 6 times to get this resolved and no one is helping me or telling me that it will be available. My payment is due on XX/XX/21 and Im trying to get this resolved before making a payment, because if I do make a payment then the charge will be ineligible for chase pay payment plan. I need someone from Chase a senior specialist to assist me because the last 6 customer service reps have been XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a few returned payments from auto-pay due to the payment not being taken out within three business days. I contacted XXXX XXXX to reinstate the account after making a hefty payment of {$200.00} ( out of {$300.00} ). They declined. I now have a closed account on my credit history and would like this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
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 15 USC 1681. 
Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXXXXXX Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 15 USC 1681. 


XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX ; XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX XXXX via 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 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 2017-05-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a  VISA Signature  credit card issued b  y Citibank.
I have enrolled for automatic payments of the minimum a  mount due to avoid late payment fees.     I usually pay the last statement balance to avoid interest charges.     The problem I am going to describe below is documented in a PDF file that contains a screen shot of the payments webpage of  Citibank  containing the pertinent information.     Yesterday,   XXXX   XXXX    2017 I lo gged in to the  Citi Visa w ebsite to pay my last statement balance. The webpage showed the minimum due, and the additional payment  ( {$1800.00} )  that had to be made to pay the statement balance  ( {$1800.00} ) . I submitted this additional payment, and the page showed " Remaining  Statement Balance Du e  XXXX - XXXX -2  017  {$0.00} ".      HOWEVER, JUST MINUTES LATER THE PAYMENTS PAGE ONLY ACCOUNTED PAYMENTS FOR {$1800.00}, WHICH TRIGGERS AN INTEREST CHARGE FOR PURCHASES.     I reported the problem at least 3  times ( and spent a substantial amount of time doing it ), and the agents always say that system shows that the minimum payment was not paid, which contradicts Citibank Visa own web page ( as you can verify in the above mentioned PDF ).      At the very least this is a software defect, and potentially it is a ploy to charge interest on purchases with the justification that the balance due was not paid

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 2023-10-02
Company: EQUIFAX, INC.
State: IL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are violating my rights. 

I am rejecting their response because I have already been in contact with this company and spoke with supervisor XXXX whom was very defensive. I politely asked them to provide me with the original contract of this claim and all she told me was that they have a Sales Certificate and there is no law that says they have to have the original signed contract. When she stated that she just admitted that they do not have the contract and violated my rights as a live human being. I also noticed on my Credit Report that this company is reporting this account TWICE under two different names, one is named XXXX  and the other is called XXXX XXXX XXXX. Both accounts are not accurate at all and is fraudulent while hindering my report. I ask again for it to me deleted IMMEDIATELY from all 3 Credit Reports and under my Social Security Number. I have attached below proof of everything I stated above. 

How is this account accurate if the account type is inaccurate, the account numbers are different for the same account, NO Bureau code, different Account types, term duration is inaccurate, inaccurate open dates, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate. Any automated response, or E-Oscar verification is unacceptable. Verification of each account should match according to the Metro 2 Compliance standards. The two accounts listed is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

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 2023-04-12
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Experian Information Solutions Inc.
State: CA
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:
Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received. With your assistance I am re-sending then again. REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all XXXX credit reporting agencies all by certified mail ( copies of receipts enclosed ) requesting you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft. To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft. Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the Consumer Financial protection Agency for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally. If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of one item have been delete and that the creditor or collectors have also being advice and have them what is  necessary on their part to follow for not to cause any more damages to my credit profile. I take my credit very seriously and any lack of professionalism and assistance will be. I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I anticipate your response. Sincerely, 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 2023-09-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/23 Citibank decided to lock my account spontaneously out of nowhere after an attempt to add {$1000.00} to my XXXX XXXX. I tried to log into the app and it prompted me to call a number. Upon calling I was told that my account was being closed and that a check would be mailed after 30-60 days. I asked why and they said they couldnt provide any reason to me. Also they stated they couldnt expedite my remaining account balance payment either. However, I find it rather strange that theyre deciding to close it and not provide me reason. Especially due to the fact that I havent conducted anything fraudulent what so ever. Ive received numerous zelle transfers within the past prior month yes but all legitimate for work-related purposes. Now this morning when I try to submit an XXXX payment to my boss, Im unable to because Citi locked my card and said theyre closing my account. I need my money back now because thats just plain injustice. This is money that is meant to be used for inventory etc as I explained to them, but also that I have urgent upcoming medical procedures which will cost additional as well. This spontaneous closure is very detrimental to me and I dont think they realize it. My boss doesnt have 30-60 days to wait for over {$1000.00} and frankly neither do I. I need this resolved immediately and my account either reopened with my money in it, or a check mailed with my balance pronto if they wont allow me to pick up my funds in person. Please get to the bottom of this. I am extremely desperate and livid.

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 2023-01-25
Company: EQUIFAX, INC.
State: TX
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} US DEPT ED XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX XXXX XXXX {$9100.00} US DEPT ED XXXX XXXX XXXX {$3900.00} US DEPT ED XXXX XXXX XXXX {$4200.00} US DEPT ED XXXX XXXX XXXX {$6500.00} US DEPT ED XXXX XXXX XXXX {$3800.00} US DEPT ED XXXX XXXX XXXX {$15000.00} US DEPT ED XXXX XXXX XXXX {$4100.00} US DEPT ED XXXX XXXX XXXX {$12000.00} US DEPT ED XXXX XXXX XXXX {$1300.00} US DEPT ED XXXX XXXX XXXX {$120.00} US DEPT ED XXXX XXXX XXXX {$6300.00} US DEPT ED XXXX XXXX XXXX {$3300.00} US DEPT XXXX XXXX XXXX XXXX {$3500.00} US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 43XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT EXXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 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 explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 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 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