BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: PNC Bank N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a XXXX, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Service refuse to send me VALIDATION of this account ( of which I know nothing about ). I filed a dispute with XXXX  and they send the same bill to XXXX  ( not VALIDATION ), yet XXXX  is refusing to remove this account. how could they " verify '' the debt belongs to me if I'm disputing the validity of the debt? 

Phoenix Financial have yet to send me validation of the debt ( I send a certified letter seeking it ), but also refuse to remove it from my account. 

According to the report : Account Number is XXXX, Date Reported is XX/XX/XXXX, Date Assigned is XX/XX/XXXX, Creditor Class is Medical/Health, Status Date is XX/XX/XXXX. Status is Unpaid, Date of 1st Delinquency is XX/XX/XXXX, Balance Date is XX/XX/XXXX. Amount is {$35.00}. 

XXXX  is using the bill as verification of the debt. Rather than seeking validation of the debt ( since they won't send it to me ). After notifying me on XX/XX/XXXX that my dispute is being investigated, XXXX  closed the dispute on XX/XX/XXXX without notifying me ( had I not check my report on XX/XX/XXXX, I wouldn't know of the status ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2023-04-08
Company: Experian Information Solutions Inc.
State: SD
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:
Experian and XXXX were reporting an account from credit first as date of last payment XX/XX/XXXX, I asked them to delete account because Date of first delinquency was greater than 7 years ago, Experian changed XXXX to XXXX which is illegal XXXX is still reporting account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: KS
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:
On XX/XX/XXXX, I was trying to pay a bill to XXXX XXXX for my daughter 's college to XXXX XXXX XXXX for the amount of {$900.00}. I was charged twice on this date. I disputed one of the charges with my credit card company, Chase Freedom. On XX/XX/XXXX, I received payment back from XXXX XXXX XXXX for {$900.00}. I called Chase Freedom to cancel the dispute on XX/XX/XXXX, due to the fact that I received a refund check from XXXX XXXX XXXX that uses XXXX XXXX. When I cancelled the dispute, Chase Freedom rebilled XXXX XXXX for {$900.00}. XXXX XXXX uses XXXX XXXX  and they never recieved the rebill amount of {$900.00}. I called Chase Freedom back in XX/XX/XXXX and was told that Chase Freedom released the funds on XX/XX/XXXX and that the funds of {$900.00} was accepted on XX/XX/XXXX. They told me there is not a routing or processing number to verify where it was sent. I sent all this information along with my credit card statements to XXXX XXXX XXXX so that they could pass that information along to XXXX XXXX, which is XXXX XXXX. XXXX XXXX  can not find that transaction at all. I went into XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX who is the head of the business department. Together we both talked with Chase Freedom on the phone. We were hung up on twice and told that Chase Freedom did send a rebill amount of {$900.00} to the initial merchant but that they did not have a tracking or processing number because " that is not how they work. '' They said the credit card statements I have is proof enough that a payment was made. XXXX and I both stated that without a tracking or processing number it doesn't prove that the money went to the correct account. I was told there was nothing that I could do, and that I was out of the {$900.00}. I asked if I could dispute the rebill charge and I was told that it was too late. I have called many times since XX/XX/XXXX in regards to this problem and kept getting the same answer that there is no more information that they can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-10-01
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I got my check garnished from d credit card debt that was over 8 years old in va which is past the time they cab take it. And they never provide me information that the debt was mine they took the money before my court date in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a credit card from XXXXXXXX XXXX  account XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2019-03-29
Company: SUNTRUST BANKS, INC.
State: MT
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:
XXXX XXXX Student Loan Servicing with SunTrust Bank was paid in full nine months ago when XXXX XXXX XXXX XXXX consolidated my loans. XXXX XXXX is reporting that it is paid in full. But XXXX XXXX is double reporting- again under XXXX XXXX Suntrust. This the same Parent Plus Loan. XXXX XXXX is only reporting the {$16000.00} paid in full. They don't mention the additional {$4600.00} in student loan interest they collected. I I do not own SunTrust but since XXXX XXXX got paid, SunTrust has begun reporting the account as Open and Delinquent. 

I called XXXX XXXX/ SunTrust , Recovery Default XXXX and XXXX   XXXX XXXX XXXX . Until they ran of resource to send pass me off to. All contracts state that there is no evidence of an account with them. Because I don't have one. But no one knew who is responsible to correct my credit report. 
However, I am getting turned down for credit. My bank states that I would have excellent credit if SunTrust would take the Delinquent Status off 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 explanation
Consumer complaint received 2023-04-09
Company: I.C. System, Inc.
State: MI
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, I C System, XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.

As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. 

I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.

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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: WA
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 rented a car with XXXX XX/XX/XXXX in XXXX, CA. The pickup time was XXXX. I was charged for the car in the class I rented ( XXXX ) and was told to wait. Hours later, they tell me all they have is an SUV. I had a large amount of miles to drive and didn't want an SUV. They told me take it or leave it. The XXXX agent also threatened to follow me home if I caused a problem ( I am not kidding ). 

I called Chase card to content the fact that they charged me for Car Class A and gave me Car Class C. I don't care if it is technically an " upgrade '' because I did NOT want a large SUV for such a long drive. Chase refused to even contest the charge. 

I demand a full credit for the charge. It is completely not what I paid for. I will also be pulling all my money out of Chase, which includes CDs, investment accounts, and family accounts. Maybe Chase should review my call with the agent who told me " well, you took it. '' That is not how you are supposed to treat customers when they are bait-and-switched by a company. Failure to credit this charge in full will be considered an admission of complicit action by Chase to ensure an inaccurate and fraudulent charge is upheld in a customer 's account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had opened BJ 's credit card on XX/XX/2021 with Comenity Capital Bank. The Bank approved the card, however, they reported XXXX credit score from XXXX to determine the interest rate. My credit score has never been below XXXX in the last 5 years, so it was a surprise. I subsequently checked with XXXX, and they reported a credit score of XXXX. I provided the credit score report from XXXX to Comenity Bank to check if they made an error. Per law, Comenity Capital Bank can only use the credit score reported by the approved agency. On XX/XX/2021, Comenity Bank reported that the credit score they used, XXXX, is accurate. I am unable to reconcile why XXXX  will provide one score to me and another to Comenity Bank. It seems Comenity Bank manipulated my credit score to charge a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The car was totaled 2 years ago and my insurance paid for the car. They then tried to sell the debt to a collection company. I finally got the account closed and removed from my credit report and worked hard to build my credit back and they have now put it on bureaus again, without telling me anything. Now they are harassing me with collections threatening to hold this against me. The account shows the age but they make it look as if it is an open account and that I am just late paying, it is fraudulent and the account needs to be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for loss mitigation short sale to avoid a foreclosure on my home everything has been submitted and completed for the short sale but the lender has not postponed the sale date, even with all the documents and numerous phones to stop the foreclosure sale which a direct violation of the homeowners bill of rights civil code section XXXX and civil code section XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 tried to use my Bank of America MERRILL+ Visa Signature credit card to make a purchase on XXXX  on XX/XX/2020. The transaction kept  getting denied. I did not receive any fraud alerts or indication that BOA was denying the transaction. I called in to inquire. It was revealed that my card was blocked and they could not unblock it because the department in charge was closed at the time that I called. I was advised to call back the next day. The next day all my Bank of America cards ( 2 ) were closed and I lost the cashback balances I had on them. I tried to redeem them by calling in but was informed that it would not be possible.

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 2023-01-10
Company: EQUIFAX, INC.
State: NY
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. 
Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation