BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an increase in my credit limit with Chase Slate Credit card. The amount was approved for XXXX. Several months later, I noticed my credit card limit was only XXXX. When I called they told me the credit limit was temporary. They never once informed of this in the initial phone call. Now my debt to asset ratio is horrible and I'm nearly XXXX over my credit limit. This has caused me great harm with my credit and I should not be punished for their failure to inform me something. I never had a late payment. All my payments were made way ahead of schedule. This is absolutely awful if they are able to get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: DISCOVER BANK
State: TX
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 was added to the Discover Bank XXXX as an authorized user XX/XX/2023. The XXXX ended XX/XX/2023. The XXXX Cycle started XX/XX/2023. 

I first pointed this information out to Discover and asked them to remove the delinquent entries. 

I then educated myself and DISCOVERED ( pun intended ) that it is a violation of the law [ 15 USC section 1681a 2 ( A ) ( i ) ] for Discover Bank to report late payments as delinquencies after assessing late payment fees. These paid fees makes the payments transactions. No creditor or credit bureau is permitted to report transactions. 

I asked Discover Bank, and each respective bureau that Discover reports to, to reverse the late payment entries to okay or paid as agreed. 
Instead, Discover Bank added OK to the previous month preceding the two months that the false and illegal late payment entries were submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Multiple fees charged for transactions that shouldn't have been charged

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 grateful that you took the effort to CORRECT some of the data in my credit report, but there are still some items that require updating or deletions. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 2023-10-26
Company: EQUIFAX, INC.
State: CA
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC bank will not allow its customers to link their bank account with the XXXX  stock exchange app. therefore, not allowing myself to invest my money and will need to change banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Freedom Mortgage Company
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went on a deferred payment plan during Covid due to a loss of revenue in XXXX. That agreement expired in XX/XX/XXXX. Freedom Mortgage offered me various options. I chose an in house refinance that would roll the owed balance to the back of the loan. In addition it would lower my payments and my interest rate. I received the paperwork XX/XX/XXXX. On XXXX XXXX I went to have it notarized by my bank XXXX at XXXX Bank. He advised he was unable to sign off due to the nature of how the paperwork was written, as there was a co-borrower who was not present. he lives XXXX miles away and thought I could sign my half, have notarized and forward to coborrower. We called Freedom Mortgage directly and explained the issue. We were told new paperwork would be drawn up and sent separately to each party. I have called every week for XXXX months. In addition, I have made the payments as instructed. Each call I made I was given different answers, typically its processing and to wait. I offered anything I could on my end- told no to just sit and wait. 
On XX/XX/XXXX I spoke with XXXX in escalation department He advised I would receive a call the next day from him. He did call, and advised to expect a call from XXXX id # XXXX on XX/XX/XXXX. When I spoke with her I was advised that the account was closed in XXXX and denied. She recommended I re-apply online and research assistance programs. This came as quite a shock. She claimed I should have tried another notary. I requested to speak with her supervisor. Instead, I was transferred back to escalations. This company has done this XXXX times over XXXX years to me. I attempted an in-house refi twice to lower my payments. Was assured it was processing and wound up denied. I opted for the deferment after the denial that would have lowered my payments, as a result of those XXXX denials. 
This third time I have kept detailed notes of every call. Ive have every name of who Ive spoken with. I have made my payments on time as instructed. And at the end, Im told Im denied at no fault of my own. I would ask for this company and its practices.

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 2021-09-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX of XXXX, I mailed in a certified letter through the US Postal service challenging a collection that was placed on my credit file XX/XX/XXXX by XXXX collection in the amount of {$17000.00} due to an auto repo which occurred around XXXX of XXXX. Upon further investigation and research through XXXX in which I entered the vehicle ID number, I found that the XXXX XXXX XXXX  which was already in a great running condition at the time held the retail value of {$14.00}, XXXX was resold by the original lender at an auction in the XXXX XXXX area. and they failed to send me a notice of deficiency. According to the law, misrepresenting the amount of the debt or its judicial status are violations of the FCRA. The sale price must be applied to the balance of the loan. 
In my dispute letter, I clearly expressed how important a reasonable human investigation was in this matter and requested a full disclosure and every piece of information gathered during their previous investigation. The FCRA rule 611 ( a ) ( 6 ) ( B ( iii ) which states, a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the reporting agency. My rights were blatantly violated by this credit reporting agency in this process, Their incompetence destroy lives and they should not be in the people business. I have received nothing but a generic computerized response letter from them stating that the account had been verified with no further proof of reasonable human investigation. completely violating my right to receive proper information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: NC
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:
Improper use of my reports. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXX, and XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX I explained these payments were late because of not working because of 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 2023-08-31
Company: EQUIFAX, INC.
State: GA
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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-20
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
{$500.00} Vanilla gift card was given to me by my boss. After trying to use is found out there was {$490.00} fraudulent charges in the amount of {$5.00} increments over a period of just a few days. Filed a fraud claim back in XXXX XXXXwith vanilla ( as per Vanilla ) and still no response from vanilla gift card after multiple attempts to to get this resolved. They keep telling me they are emailing the fraud department to find out the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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

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 2021-09-05
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a patient at the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX County, NJ ) from XX/XX/XXXX to early XXXX. I am receiving bills from a collections agency ( Radius Global Solutions, LLC ) for services I received at the facility. 

However, I did not receive a single bill from XXXX for any of these services, either by mail or online. I have a subscription to IXXXX XXXX XXXXXXXX from USPS, so I have a record of NOT receiving any bills from XXXX  facility. I did not receive e-bills on XXXX either. 

I have made a few payments in good faith, but the collection bills keep coming and I am afraid they may not be legitimate. This practice of XXXX sending bills directly to collections is questionable. I am been unable speak to someone at XXXX who could explain why this happened and help resolve the distress I feel from these collection letters. 

I mailed a letter to the collection agency in XXXX asking them for a complete, itemized amount owed. I have received no response. I then mailed another letter on XX/XX/XXXX questioning the veracity of the bill to the collection agency. This time I took pictures of the letter and of the envelope -- again so response yet.

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 2023-10-26
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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX 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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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 2021-09-06
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 response to consumer: Closed with non-monetary relief