BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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 XX/XX/XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Business Revenue Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I visited XXXX XXXX  Imaging, XXXX to get XXXX   XXXX  done because I've been diagnosed with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Anyways I had to get about XXXX XXXX  done along with a XXXX and I'm planning on getting XXXX more because I had XXXX for my condition in XXXX. Now I'm covered under XXXX under the XXXX XXXX XXXX XXXX. I checked with both my insurance and the XXXX XXXX XXXX to make sure I was fully covered. They both verified that the cost would be fully taken care of. I also wrote my insurance information on all the paperwork asked of me and after they sent me a bill asking for my insurance information which I promptly submitted back. They had my information. 
After that I received no word about the bill till I received a noticed from a collection agency in Iowa called Business Revenue Systems , Inc . They not only failed to properly inform me that they were going to send my bill to collections but they also never contacted my insurance even though I gave them that information more than 3 times. 
Their lack of communication has directly impacted my XXXX XXXX and they were effectively trying to take advantage of my vulnerable condition for financial gain. Funny enough if it wasn't for my insurance 's quick actions and forcing XXXX XXXX XXXX to work with them, my situation would have never improved. 
Also this isn't the first time they abused their customers! XXXX reviews has countless accounts of poor women like me who were scammed out of money and had their credit scores ruined because they never contacted the patients about their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/23, I attempted to make an online purchase for {$100.00} and the seller stated on their website my purchase was declined by the card issuer. Consequently, I called into customer service and talked to the fraud department. They stated I had to wait for some phone number to call after I receive either a phone call or letter XXXX business days later. This XXXX business day wait is unacceptable to me because this is like the XXXX or XXXX time I've spoken to the fraud department due to prior fraud alerts on the card and I've held this card for less than a month. In each of these prior instances, I've already proven I'm the person making the charges and confirmed all the charges. But this card issuer likes to keep playing these types of games and that's the reason I'm compelled to file this complaint today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: U.S. BANCORP
State: WI
Product: Credit reporting 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:
I have just been released from XXXX XXXX ( U.S. Department of Federal Prisons ) on XXXXBeen in since XXXX, when i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you

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 2023-07-12
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:
This is my 3rd attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed account was reporting to my credit file held with 3 Credit Bureaus. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA Section 605b. They have failed to correct the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need this account to be corrected from my report ASAP : XXXX XXXX XXXX XXXX Opened XX/XX/2020 Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found a delinquent account for the company below : Capital One XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my paid in full statement. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit 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/23 I made a purchase using my Chase credit card in the amount of {$470.00}. 

The item says it was delivered on XX/XX/23, however I was not able to find the item and reached out to the merchant on XX/XX/23 at approx XXXX. The merchant representative told me that, since the item was stolen, I needed to file a police report. The representative also told me they would not issue a refund and that my only recourse was to hope the police recovered my missing item. 

I filed a police report, and then I disputed the transaction with Chase. 

On XX/XX/23 Chase uploaded a document to my account which stated that Chase believes the charge is valid, and included in the document were copies of the merchant 's receipt, a copy of the map of the city, and a photo of the merchandise sitting on the ground. Nowhere in the documentation is there any mention of where I can submit my supporting documentation. 

On XX/XX/23 I called the Chase dispute department and asked how to submit my supporting evidence, and the representative told me " Chase disputes no longer cover theft and this issue is considered fully resolved. '' This is in violation of the information listed on the FTC 's website regarding credit card disputes. Furthermore, in Chase 's own supporting documentation for the Chase Freedom Unlimited credit card it specifically states " XXXX XXXX protects against theft of, damage to, or involuntary and accidental parting with new retail purchases within XXXX XXXX XXXX ( XXXX ) days from the date of purchase. '' Chase is blatantly violating FTC regulations and is violating their own terms of service for their credit cards. 

I've also included a copy of a photo of a sign the property management company hung in the lobby of my apartment building because someone broke in and stole a bunch of packages from people. I would be happy to provide Chase with a copy of the police report number once a representative from Chase reaches out to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was given a hard inquiry I want removed

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 2023-06-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX**** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Eastern Account Systems of Connecticut, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eastern Account System of Connecticut Inc. or their client Wow! internet services has never addressed four letters I sent to them and fraudulently reported a past due, that I am not responsible for, to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Prince Parker & Associates
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been dealing with this since XXXX. XXXX XXXX XXXX adjusted the amount on my bill because they didnt realize they had my equipment once they took the equipment charge off that was {$160.00} I owed them {$170.00} which I paid and XXXX XXXX  XXXX said they would send the adjusted amount to Prince Parker and everything would show a XXXX balance well at XXXX XXXX  XXXX it shows I owe nothing and my account is closed they have also called Prince Parker told them I dont owe anything but the {$160.00} for Prince Parker is still showing I owe it I have been calling both places for the last month and I am trying to get all of this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-10-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I am the holder of a XXXX XXXX  mortgage and was denied modification several times until I reached out to you. I was hit with laugh fees and put into a balloon mortgage. How can I become part of the class action suit. 
Sent from my 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 2021-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company received my information from another party and is now attempting to collect an alleged debt. I did not give written consent to communicate with me at all nor did I give written consent to furnish anything on my report. No consent is identity theft. I am very upset at the way these companies do business and it is harming my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
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:
There are two credit agencies I am reporting. I have tried to solve the matter with Equifax but have not gained a resolution. I have attempted to notifiy XXXX XXXX but haven't received a call back. On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX County ( XXXX, Georgia ). Iwas not able to get proper fiancing. The car was purchased at a high interest rate and then the monthly payments were also way to high for a XXXX vehicle. The information reported from theses two credit agencies is incorrect. # 1. XXXX reported that I had a XXXX creidt score. None of the other agencies have reported this score. The information they provided in the report is also incorrect. 
# 2 Equifax reported that I have several delinquent accounts and when I called to speak with the representative she told me not to worry about it. This was her way of resolving the dispute. I have maintained my credit score over the years and should have been able to walk off that car lot with a brand new car. Based on the information provided by these two agencies I am wondering if this is the reason I was scammed into purchasing a XXXX vehicle for {$21.00}, XXXX. I did not need them to give the car dealer any information that would hinder me from being successul. I check my credit report with Equifax weekly and it is a XXXX credit score. I have no outstanding delinquencies reported with XXXX, Equifax, nor XXXX. How does XXXX have such low score and noe of the rest of these agencies have that score. It is a shame not to be able to get a credit agency to provide accurate information when you have worked so hard to maintain good credit. Car dealers are already waiting to scem you when you walk on that car lot if they don't have the heart of Christ and they're only concerned about making a profit. I made a bad decision in getting the car but I was told my selection all depended on my credit history. Sadly to say, it wasn't reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was in the past and continuesly charged from different companies different amounts which cause me to overdraft several times I have called in and reported them as fraudulent on a couple of occasions I was just ignored XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
16 days earlier than payment was due ( payment was due XX/XX/XXXX and recurring payment was setup on XX/XX/XXXX ), after receiving instructions from a PNC bank representative on a telephone call ( I called the bank for instructions ), I set up recurring payments to be withdrawn from my external checking account for the minimum amount due on XX/XX/XXXX, but the payment was never initiated by PNC bank, resulting in a late fee and late payment reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-23
Company: Upgrade, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Upgrade Card has been the worst credit card transaction that I've ever encountered in 60 plus years of financial transactions. Upgrade Card lowered my credit limit 2 months after having the card then when I called some young disrespectful rep got on the phone and tried to read some disclosure to me instead of listening to me and what questions that I had a s a customer rather than beat me down and disrespect me. They have drafted money from an account that they said they deleted but didn't until I raised XXXX  XXXX about money being taken out of my account that was said to be deleted which caused my account and credit to take a hit. I want this account deleted from my credit report immediately and I can send monthly payments until paid in full, but I won't no correspondences from them period. Upgrade card has hidden fees and every time I call them its always something different and I'm tired of it because as a customer I shouldn't have to go through this type of harassment and abuse I'm XXXX and this is beyond anything that I ever endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: SUMMIT FUNDING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for two loans for my properties on XX/XX/XXXX. Summit funding is now refusing to close on the loans and from what was said it sounds like they dont want to honor the rate anymore. 

In addition, their electronic signature system does not provide me a copy of my signed documents and while they have promised to provide me copies I still dont have them.

Company response to consumer: Closed with explanation