BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: GA
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:
Experians process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
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:
I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. XXXX XXXX XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Prince Parker & Associates
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX XXXX XXXX store for a hotspot. The agent told me 3 times my services would be {$12.00} a month. I asked her 3 times, are you sure? Her response was yes. Another agent looked at me, rolled her eyes and walked away. I did not receive a copy of any kind of contract at the store. 
My first bill was over {$400.00}. When I called, emailed, texted I was never able to get the same answer. 
I returned the hotspot by XXXX, and I have receipt. 
I spent hours on the phone and was transferred too many times, but I hung on the phone for about two hours. And never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
On XX/XX/XXXX, XXXX 's XXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on 6/7/2023, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from XXXX on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my Experian credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries

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 2021-03-16
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have had a credit card account with US Bank since 2014. I have never missed a payment. When the Pandemic struck last year, I paid off the balance of {$2600.00}. I have been very careful not to incur any extra expenses this last year. My interest rate was 16.99 %. Today I got a notice saying my interest was being raised to 21.49 % and they said it was because : 1. Ratio of Balances to Credit Limits on Revolving Accounts is too high. 
2. Proportion of Loan Balances to Loan Amounts is Too High. 
3. Amount Owed on Revolving Accounts is Too High.

4. Too Many Consumer Finance Company Accounts.

All of the above is false. 
I currently have {$100000.00} in available Credit I currently owe a total of XXXX in credit card across 4 Credit Cards. 22 % usage. 
I have a XXXX Balance on THIS US BANK CARD. 
I have one loan that is a Mortgage. 

I can not imagine what this action would have done to me if they did this to me and I had a balance due in the middle of a pandemic. 
My credit score with XXXX is XXXX With XXXX  it is XXXX With XXXX  it is XXXX. 
I believe this company is mad because I paid them off last year when the pandemic hit and they are not getting interest from me carrying a balance on their Credit Card. This is punitive action for me being a good customer and making all of my payments on time. This is punitive action in the middle of a pandemic because I am being extra thrifty and being careful not to spend. They have never raised my interest rate for the 7 years I have had this credit card. Likewise, they never reduced my interest rate during their " 6 month reviews '' when I was carrying a balance.

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 2019-07-09
Company: PNC Bank N.A.
State: IL
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:
Paid car loan off in XXXX of 2018. I never received the title or payoff statement. Request on separate occasions and went to local branch office. They provide a letter that said loan was paid off but did not include letterhead, vehicle information or signature. Also provide copy of original title. Took the documents provided to dmv and was told these items are insufficient. Called PNC Bank a 10th time and Im still waiting to here back. They never provided loan statements or a coupon book during the loan period. I feel like Im being held hostage by the bank. Please let me know how to get a copy of my car title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the EXPERIAN. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-02-04
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX was absorbed into Bread Financial ( as I understand it ) in late 2022. At that time my Interval World Mastercard online account was no longer accessible. I followed account access reset process multiple times to no avail. I repeatedly called the customer service department and was provided unhelpful or incomplete instructions on how to resolve, ultimately leading to my decision to close the account over the phone. I was told I would receive a final statement which never arrived. I was contacted numerous times that my account was past due, which didnt make sense as I shouldnt have had a balance on the account. I again asked for a final statement to verify the charges and was told it would arrive shortly. Weeks went by and my account was showing delinquent which was then reported to the credit bureaus. My credit score suffered a XXXX point drop due to this issue which was entirely on Comenity/Breads end. I finally received a final statement roughly 2 months after all of these issues began, and the statement was incomplete ( it did not outline charges which reflect the total account balance at time of closure ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019 upon attempting to make a deposit I was rudely treated by the Branch manager to which I responded in kind. At that time she claimed to forcibly close my account and did not do so. 

Upon contacting U.S. Bank I was informed my account was not closed and required me to come in person to do so. I was assured in person in XXXX my account was closed, during this time they continued to accept charges and assess fees for overdraft and maintenance despite never having over draft protections or ability on my account previously.

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 2021-04-10
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: First Advantage LNS Inc.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The is a court ordered judgement from XXXX XXXX of debt owed to company XXXX apartments. National Credit Audit Corporation is attempting to charge me XXXX. They have not provided any documentation of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: InDebted Corporation
State: SC
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:
Indebted Secure Code: XXXX XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am a victim of identity theft and the paperwork showing this with the FTC report was sent to the credit agencies. They did not attach this paperwork to my disputes according to the FCRA and did not send me copies of the verification process.

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 2023-06-29
Company: CBC Companies, Inc.
State: MN
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:
Attached is a letter from XXXX XXXX Notice of Data Breach informing me my personal information was compromised. The following account and Request Only You Can See currently showing and listed on my Innovis Consumer Report is the result of the data breach and identity theft : Total XXXX  : XXXX, Innovis Consumer Assistance, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I want the Consumer Statement of Opt Out immediately deleted and removed from my Innovis Consumer Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: CITIBANK, N.A.
State: MN
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 I went to XXXX XXXX for groceries. I scanned in my membership card and paid for my bill, {$86.00} at XXXX XXXX. I left and walked to my car. I searched for my card and realized I left it on the credit card terminal. I went back inside to search and the worker reported she had given it to her manager. I then went and got gas, again scanning my card for {$63.00} at XXXX XXXX. Later after looking at my statement, between XXXX and XXXX there were two separate XXXX charges for {$180.00} at XXXX XXXX  and {$190.00} at XXXX XXXX. Neither of these two additional charged were scanned under my membership account. Upon seeing these charges, I canceled my card and reported the charges as fraud. Citi bank has denied these fraud claims. I am now no longer able to see my past purchases beyond my most recent one with my linked Citi Costco card. If this is resolved I will be more than happy to show that I only scanned my membership card for my initial purchase and for my gas.

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 2023-01-08
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi so {$220.00} was taken out of my chime account on XX/XX/2022 without any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
State: AZ
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:
In XX/XX/2023 Citibank issued me a card and I called to decline the offer and asked that my fee be returned as I didnt need the card. I had a XXXX balance in my account. I saw suspicious charges and reported them immediately. XXXX XXXX is the company that was charged in my account and it was from California. I live in Arizona. I told them my card had been used fraudulently and that I needed all charges to be reserved and my account closed. They assured me theyd call after investigating the issue and that they needed to cancel my current card due to the fraud and send me a new one. I told them I didnt want a new one and they said I had to keep the account open until everything was fixed. The next month on XX/XX/XXXX I made another call and was dealing with the same issue and they said the same thing but Ive had no resolution. My credit was very good. Over XXXX which as a single mom with XXXX kids in college took me a long time to get. Now all my credit numbers have dropped. I told Citibank all of this. The balance now has jumped up from supposedly XXXX to me owing XXXX on my ( XXXX statement. This cards last four numbers are XXXX. I called again in XX/XX/XXXX after receiving a 2day XXXX letter giving me payment options and telling me the purpose of the letter is to collect a debit. The calls went through 4 people without any help at all. It ended up with a supervisor who sounded underwater and would not fix her problem or call back. That was after an hour on the phone after I worked 10 hours. Im now beyond frustrated and need help with this matter.

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 2019-08-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Horrible customer service, shady practices and really rude manager. I went to deposit a check with cash back and the guy runs the check, says I cant get cash back but can take check to XXXX to cash then bring back the cash for deposit. He STAMPED the back of the check stating " this would allow XXXX to cash it ''. I go to XXXX and they cant cash it BECAUSE ITS STAMPED ON THE BACK! I then go to Chase and talked to manager who is extremely rude. XXXX female manager that sits in office directly straight ahead when you walk in. She was really rude, short and sarcastic then tried to blame me although her worker is incompetent. 
Another teller deposited check, told me it would be available in morning. When the morning came, check was placed on further hold because it shows as a duplicate deposit! Loss prevention says it was because the man STAMPED THE BACK OF THE CHECK! Now my bills are behind, and I cant purchase the car I was attempting to buy ... This is the worst branch and people ever. The have shady practices and I wonder if there is some type of illegal activity they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company failed to provide proof of debt after several failed written attempts. Under the law if they can not verify they must delete. They have failed to respond to my several written request requesting validation of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation