BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am unable to link my personal account to my XXXX app. This app connects with my bank to access my payroll deposits so I can receive advances from my check before I get payed each bi weekly week. Unfortunately because of Pnc I can not do so. I wish to get this handled as soon as possible. This app is a legitimate system that helps others in financial need. I wish to be able to access this application via threw my account just in case my account is overdrawn or if an emergency comes up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance originally declined my medical claim. After filing a complaint with the Georgia Insurance Commissioner, my insurance decided to pay my medical claim. However, one debt was turned over to a collection account. The original creditor has agreed that my account is paid in full and that they have requested the collection account be reversed. However, the collection company is still showing I owe a balance even after I have contacted them numerous times and provided documentation. It has been over a month and they are still saying I owe a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: SYNCHRONY FINANCIAL
State: CA
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:
This is about a collection account reported on my credit reports by XXXX XXXX XXXX, a debt buyer. The original debt was from Synchrony Bank XXXX Paypal Credit. THE DATE OF DELINQUENCY IS INCORRECT. My credit report shows that XX/XX/XXXX is when the debt first became delinquent. The true/real date is at or about 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 2023-06-01
Company: Experian Information Solutions Inc.
State: NJ
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 value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXXBalance : {$1900.00}, XXXX XXXX Balance : {$170.00}

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 2019-09-13
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:
The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX  XXXXxxxx

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that I have previously tried to validate the ownership of this acct directly with XXXX XXXX XXXX collection acct # XXXX, and with the credit bureau XXXX. 

As of today 's date I have not received the requested documentation to proof that this collection acct is mine. I do not know XXXX XXXX XXXX, and I have never signed any documentation with this company. 

Account MUST be removed immediately as its harming my credit. Thanks for your prompt response and cooperation with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XXXX XXXX, XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.

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 2020-09-12
Company: Experian Information Solutions Inc.
State: FL
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:
Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today Experian raised the score to what it was prior to the debts being paid off and the student loan reductions.

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 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are unauthorized businesses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the following text message : This is Mercantile Adjustment Bureau , LLC, a professional debt collector. Please contact us regarding XXXX XXXX ref # XXXX at XXXX or visit our website : https : //portal.mercantilesolutoins.com to access your account information or make payment ( s ) online. Reply " STOP '' to stop. This came from the phone number : XXXX. 

I contacted XXXX ( XXXX XXXX is now XXXX ). I talked with someone in billing. They told me that they did not work with Mercantile Adjustment Bureau , LLC as a debt collector. Further, they told me that the XXXX number came back to them as a spam number. Finally, they double checked this information against my account, and found that the reference number was tied to a different individual. My account was totally in the clear with them. 

This is a total spam text attempting to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe any medical debt whatsoever. 
Because my My medical Insurance covered 100 %. 
National Recovery Agency do not even disclose who is the Dr. when was the date and what treatment has been taken. 
So, it is nothing to do with me. 
Please stop and cease immediately fraudulent collection activity.

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 2020-07-22
Company: SOUTHERN CASCADES FINANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX of XXXX wa on Saturday tryed to get a loan for a truck they told me the loan companey had tomaney apps to prosses could not get an answer on the loan then the following monday they said Southern cascade of XXXX Or has my loan I sighned nothing with southeren cascade then southern cascade I asked for copy of contract I signed with them they said they didnt have one then they a month later sent me via email the contract with XXXX XXXX of XXXX WA they have nothing with my signature on no contract or anything I said I needed a contract with sutherne cascade mailed to me they told me no this is a fraud contract they have no proof I agreed to there contract with southern cascade they keep sending me copys of the agreement with the dealer ship to try and find me a lender so I can look at the offer never talked to them again then found out the Lending comaney is part of XXXX XXXX of XXXX and there is 13200 complaints of fraud accounts on southern cascade and XXXX XXXX of XXXX and Orgon lots on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account name and # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Multiple web sites for Equifax do not aid me in trying to manage the freeze status of my account. They do not respond and the company provides no help. When I try to create an account the web site does not respond. I can't use my previous PIN anywhere on the site. I have no idea the status of my credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several unauthorized credit inquires on my personal credit report. 

I contacted have contacted each company that did the inquiry and they all told me to contact the credit bureaus and do an investigation. I contacted Equifax and they told me to contact the company that did the inquiry. Both sides are telling me to contact the other and doing no actual investigation themselves at all. 

I would like to request that Equifax initiates an investigation into these inquiries to determine who authorized them inquiry. If, once their investigation is complete, they find my allegation to be true, I ask them to please remove the inquiries. 

The inquiries are as follows XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XXXX XXXX, 2019 XXXX XXXX XXXX Inquiry from XXXX  XXXX, 2019 XXXX - XXXX XXXX   Inquiry from XXXX XXXX, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: ND
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:
To Whom It May Concern, I purchased an airline ticket with XXXX on XX/XX/2020 using my Chase Visa credit card. I did this because I believed ( apparently incorrectly ) that there are consumer protections when using a credit card. 

The day before the flight was scheduled to depart, XXXX cancelled the flight. They also cancelled every flight for the month of XXXX, XXXX, and I still think into the future. I disputed the charge with Chase, because I wanted my money back. After many follow-ups with Chase ( months, now, actually ), including my providing them with evidence of the flight cancellation, the contract that XXXX posted on its website showing if they cancelled a flight I was entitled to a refund, Chase finally called me today ( XX/XX/2020 ). I spoke with a supervisor named " XXXX '' who told me that they considered that the merchant had provided me with the services I paid for, by giving me a voucher. I explained : 1 ). I knew nothing about the voucher, and didn't want it. I needed to fly on a particular day, was ready to fly, and that the airline chose to cancel the flight ; 2 ). I did not pay for a " voucher '' -- I paid for a ticket, to carry me from one location to another ; 3 ). There were no other flights for that same week, month, or the months going forward ; 4 ). The airline has now filed for bankruptcy in US Court. The Chase representative then informed me that Chase determined the voucher was the equivalent service that I had paid for ( I'm not sure how, since none of us may ever  travel again, everything 's been closed for months, may still be, and I may not have the need to fly between those specific cities again [ and the airline may not even exist in the future ] ). I then engaged in a back and forth with the Chase representative -- if I order oranges and get apples, Chase can then say I received what I paid for? The Chase Representative asked me where it said in the cardmember agreement ( which I requested and read ) that I was entitled to a refund. I said, I guess we live in a different time where you can pay for things and not get what you paid for. I then asked the Chase representative, " Where does it say in the card member agreement that you can decide to change what I contracted/paid for, in other words a ticket between specific locations and that a voucher for a time, place, future that may never exists, is your right? '' His response : If we put in all the terms and conditions in the member agreement it would be 1,000 pages long. I said, then that is what I expect. Otherwise I have no idea what to expect, anticipate, or comply with. I said, at the end of the day, all I want is my money back ( {$200.00} ). He said, Chase had made its determination that I got what I paid for. End of story. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A few days ago I have reached out to XXXX XXXX to get a quote for my motorcycle policy. While getting a quote online and trying to finalize it as soon as I entered my Drivers license my quoted rate has gone up. I asked them why and they stated that they use Lexis Nexis reports and that report shows that I had an accident on XX/XX/19 and I was the driver at fault. This is absolutely inaccurate! On XX/XX/19 a XXXX rear ended my car and the other driver was at fault of the accident, not me. My current insurance company XXXX has confirmed that their reports are accurate and were submitted as such to all the reporting agency as I was the innocent driver in the accident. There is also a police report that shows that I was NOT the driver at fault. Because of inaccurate information posted by Lexis Nexis my reputation has suffered and I am not able to get insurance quotes that I should be eligible for as a very good driver. I need Lexis Nexis to fix their records as soon as possible and to report correct records to any companies that have reached out to them in the past with any credit inquiries for me. 

I am attaching to this complaint a copy of XXXX letter showing Negligence 0 % for me as a driver in this accident and a full police report of the accident. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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:
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. I ask that the item 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 XXXX 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 explanation
Consumer complaint received 2022-12-16
Company: AMERICAN EXPRESS COMPANY
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:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Upstart Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
requested financial assistance / Covid19 related relief from Upstart in XX/XX/2020 and at every single step of the way I have felt mislead and constantly on purpose made to feel confused with the relief that I was supposed to be getting since it never was made clear to me what the relief actually was or for how long. Despite my request for relief in XXXX, Upstart marked me as 60 days late in XX/XX/2020 per the attached credit report. I went through the hardship application process and was led to believe that I was approved. I have attempted to resolve this matter with Upstart by telephone only to get the runaround from each and every representative I have talked to..essentially they attempt to frustrate consumers with excessive wait times and runaround in the form of being transferred from one agent to another and nothing gets investigated or resolved. 

As a result of the derogatory marks on my credit report I have taken a XXXX point hit in my scores and am about to need my credit for a major purchase and as a result of Upstart I will have actual and statutory damages. I am attempting to mitigate my damages before I acutally sustain any further actual damages. So far I have sustained over {$370.00} worth of actual damages, which I can prove. 

I do not wish to escalate this matter much further as long as this gets handled within the next 14 days by upstart. Should this matter yet again not be properly handled I will retain a lawyer and seek damages pursuant to Consumer protection law under ( CA CCRAA ) California Civil Code California Consumer Credit Reporting Agencies Act 1785 et seq and The California Rosenthal Act 1788 et seq ( RFDCPA ) I am also requesting that Upstart communicate in writing only via this issue and not contact me by telephone. 

Despite my efforts to resolve this I have felt very bullied by upstart since they are leveraging my credit report and in the process I paid them {$1000.00}, which is money that is hard to come by right now. This entire thing is causing me so much stress and anxiety as I have now spent countless hours trying to fix the mistakes caused by upstate and the damage they have caused me.

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