BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-27
Company: Avant Credit Corporation
State: AZ
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:
The end of XXXX, I called Avant to share that I was having a financial hardship. They approved a short-term payment plan for my loan at a lowered monthly payment than what I previously had with them. My payment required due date was by XX/XX/XXXX. I had previously had my payments on an ACH payment to Avant for over $ 400/month through my XXXX account. I stopped the ACH to assure that the old payment amount would not be drawn. I called and informed Avant of this and was told NO PROBLEM. Avant provided me with their mailing address and my exact account # and I immediately created an account for them on my XXXX bill pay. A check was mailed out mid XXXX and cashed/cleared from my XXXX account on XX/XX/2020. My XXXX bill pay does not pull funds until the merchant cashes the check. This happened on XX/XX/2020. However, Avant is saying that they did not receive the payment until XX/XX/XXXX. They therefore kicked me out of the short term plan, reported me to the credit bureau, and despite me sending copies of my bank statement showing their payment clearing my account on XX/XX/XXXX, refuses to reinstate me back onto the plan. I did make my second monthly payment in this plan for XXXX. The check cleared my XXXX account on XX/XX/XXXX which is two days after it was sent. I have sent 10 emails  begging for help. I have called a dozen times pleading for help. I have done NOTHING wrong and this company has now ruined my credit score. XXXX XXXX is a supervisor that I have spoken to multiple times. They claim that a " back office '' determines things and they can not help me. Today, I received a letter from Avant representative " XXXX '' that was meant for another customer named " XXXX '' and it contained his personal information. This company is reckless and in violation. Please help me. I can provide my bank statements as well as poor XXXX email that they mailed to me addressing a bi weekly plan ( FYI - they told me that this email was for me and someone typed in the wrong name ... I NEVER asked for a bi-weekly payment plan so this is another lie ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: VA
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 is showing on my XXXX  and experian that i was 30 days late in XX/XX/2018 i have asked several times for verification of this and nothing gets provided i have disputed it many times as well and nothing changes. I am positive i was not late at all on this 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Global Lending Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter at the end of XX/XX/XXXX from a debt collection agency informing me that I owed {$1300.00} for infusion services provided by XXXX XXXX XXXX. For several years they had provided the infusion of my XXXX XXXX XXXX. The medication was provided by the manufacturer 's assistance program and medicare. I paid the remaining balance when billed monthly for the nurse/infusion. I stopped using them about a year ago and went to another provider. I never received any more bills or any indication that I owed other amounts until the collection agency sent me this bill. The noted services that I alledgedly owe for have different account numbers on each charge and there is no date of service listed. I attempted to call XXXX and talk to someone and they continually hung up on me and then told me they were transferring me to someone else. Finally after multiple phone calls they said they could not talk to me because it was in collections. As you will see on the attached letter from Credence, they offerred me the chance to settle this claim for {$1000.00} which I feel is attempted extortion. I replied with the attached letter and sent it by certified mail on XX/XX/XXXX. I feel that I do not owe this money and believe it is some sort of scam to scare me by threatening my XXXXedit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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: Account status incorrect

Complaint:
I have accounts that show wrong balances and show wrong Amounts Payment statuses are wrong and need to be updated.

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 2023-01-02
Company: Bread Financial Holdings, Inc.
State: IL
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 XXXXXXXX several accounts have violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions. 

15 U.S.C 1692C- States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Citibank credit services I paid my bike loan and they are not sending me title I called them so many times they we only sent you lien satisfied notarized paper you have to take it to DMV for actual title but DMV wants bank to send title directly to them but Citibank is not helping me in this regard please help me resolved this matter My number 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 2023-02-13
Company: EQUIFAX, INC.
State: GA
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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS. 

PLEASE SEE ATTACHED DOCUMENTATION TO MEET DEMANDS IN A TIMELY FASHION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Upgrade, Inc.
State: CA
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I noticed when I was looking at my mortgage account for a possible payment for the month of XXXX that my mortgage amount went up from the original amount. 
Also, I noticed some extra charges on my account even though I do not have an escrow account. 
When I spoke to a Wells Fargo Mortgage last month about possibly resuming payments when the mortgage deferment ends, I did tell her that I do not have any income and not sure, but I will do my best to make the payment for XX/XX/2021 payment. 
The mortgage monthly payment I noticed is incorrect and has been raised by a few hundred dollars. Also, I have never had a mortgage escrow amount, since I have had my mortgage with Wells Fargo. I do not know why they added extra charges to my account. I pay my property taxes separately and home owner 's insurance separately as well. In addition, when I have asked them for some options, they have not provided any and also reported late for both my and my wife 's credit reports. I do not understand how this bank continues to mess up my mortgage account and my credit reports. 
Is there legal action I can take to rectify this situation?

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 2023-02-22
Company: JPMORGAN CHASE & CO.
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: Add-on products and services

Complaint:
I have a Chase MileagePlus credit card, and Chase claimed that it offers trip delay insurance, but Chase has not honored its commitment to the user and repeatedly disconnected my calls to its customer service line. 

On XX/XX/, I submitted a claim on the website ( XXXX XXXX XXXX  ) as directed by instructions on Chase website. The website states that I should hear back within 5 business days. 

On XX/XX/XXXX, I have not heard back so I called its customer service line XXXX to ask, and was told it would take another 5 business days with apologies. 

On XX/XX/XXXX, I still have not heard back so I called again and was told it would take another 5 business days. 

On XX/XX/XXXX, I still have not heard back so I called again and someone tried to connect me to an examiner. After more than an hour of waiting on the phone, I was connected to someone, and 2 seconds later, the customer service represented disconnected my call without an explanation. 

On XX/XX/XXXX, I tried calling again. First at around XXXX PT. After 10 minutes of holding, I was connected to someone. After hearing my complaints, the customer service representative abruptly disconnected my phone call without an explanation. 

One important reason I chose to hold the Chase card and pay an annual fee and use it to pay for my flight tickets is this special trip protection. If Chase does not plan on actually processing claims, then it is definitely a false advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Credit Collection Services called a number they have on file for me that was unlawfully furnished and obtained by them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 Dot XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-23
Company: Lac Courte Oreilles Financial Services II
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On Thursday, XX/XX/XXXX, and in accordance with the Loan Agreement attached to this email, I contacted eLoanWarehouse by email in order to revoke my authorization of electronic payment. Despite the Loan Agreement merely stating that I needed to send notice via email, I received a series of emails insisting that I also needed to call ( also attached to this email ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CT
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.

The letters are stated with items and issues.

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 2023-08-30
Company: EQUIFAX, INC.
State: FL
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:
There are UNAUTHORIZED and FRAUDULENT inquiries 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 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are 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