BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-28
Company: UMPQUA HOLDINGS CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is a follow-up to Case # XXXX I contacted the company to try and work out an agreement. I have attached all of the information.

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 2022-02-09
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection on my credit report, but I paid it ( with proof ) on XX/XX/21 ( XXXX XXXX XXXX ). I called Receivables Management Systems to have the matter resolved, but XXXX XXXX ( or XXXX ) was extremely XXXX to myself and my XXXX. She also gave me an improper procedure to upload my proof of payment, and then would not verify with my XXXX  if my XXXX fax with the proof of payment had been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got another phone call today from " Portfolio Recovery, '' however, I have already asked them to cease and desist communication due to failure to validate the account as requested. I sent the last request on   XX/XX/XXXX    , attached hereto, to which I have still not received any written correspondence to validate this. I am however receiving phone calls still, after asking them to cease and desist communication due to their failure to comply with FDCPA regulations in providing validation for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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 information incorrect

Complaint:
XX/XX/XXXX       XXXX   XXXX   Once again a major mess with   XXXX   and  one  takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again  WAIT AGAIN! WAITING.  AGAIN!!!!   1-  XXXX  UPDATED  XXXX   XXXX   XXXX  INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO.   XXXX   WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT.  3 - NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED  60-90  DAYS --  4-  BEING DENIED CREDIT SINCE XX/XX/XXXX    READY TO SUE ALL!

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 2022-10-04
Company: Experian Information Solutions Inc.
State: TN
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. 

Account name : 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 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 2022-02-09
Company: Atlantic Recovery Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several repeated phone calls to me ( who is on a payment plan ) As well as several calls to my girlfriend who is not affiliated with the account. 
About 12 calls were received today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The complaint is against XXXX investigation result to my dispute : XXXX, XXXX XXXX, and myself we are in agreement that : 1 ) The account was open for a period of almost 3 months 2 ) That the account has been in paid in full in the above mentioned period 3 ) That the account has been closed by my request and not for any other reasons. 
However, myself and XXXX disagree with XXXX on the following : 1 ) the account never have been charged-off nor send to collection in the first place. Kindly look at the duration of this account, 3 months only, which mean that there were to cycles only in this 3 month duration for the due date. so how it is possible that a credit card company in this short period of time try to chase me to pay the balance and when they did not succeed, they send the account for collection, and even this didnt work, so they decide dot Charge-off the account!! all this took place after the first due date of the first payment which will be XX/XX/XXXX and went through till I paid it off and closed the account on XX/XX/XXXX!!!! pls tell me how this is possible!! how XXXX can not see that and making-up their conclusion and what they are showing in the report as a " CO ' which is " Charge-off '' after it have been paid in full and stayed " CO '' for 2 months ( XXXX and XXXX )!!!!!??? 
are the credit bureaus have the right to interpretive the reporting that they receive from a credit company, or they enter in the report as the credit company reported. 
Putting in mind that I had 17 different CC accounts ( which I closed 11 of them in the same time I closed XXXX account ( disputed account ) and my " PAYMENT HISTORY '' in all what I closed and what I have till now open ( 6 of them ) is " EXCEPTIONAL ''!!! pls check my report. 
My question is, what if myself ( account holder ) and the credit card company ( XXXX ) disagreeing off the out come of the relationship, what will happen to my credit and how this issue will ever be resolved.!!??

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 2018-01-03
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX was the name of the original creditor. I paid the copay and insurance covered the remainder of the payment. There is no due balance yet a credit collection agency named XXXX XXXX XXXX is attempting to collect a total balance of {$590.00} as of XXXX 2017. XXXX XXXX has no records of a balance of {$590.00} passed due for me.I have contacted XXXX XXXX XXXX and the company only removed the collection from my XXXX report. I would like this removed from my XXXX and full credit report as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call about owing {$10000.00} for a debt from  XXXX . They said it was some  XXXX  account with no details and reactivated in  XXXX  and a letter was mailed in  XXXX . The caller said that if I do n't pay him in  10  minutes then he would take me to court and sue me. I attempted to question where the debt came from and for what but he just insisted that he will just levy my accounts. He threatened me by saying I have you SSN, I know what bank accounts you have and I can see everything.   I researched online the company and it appears to be a scam company who constantly changes its name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have tried numerous times to apply for a home for me and my kids. Trying to purchase a house thru Quicken was going to be my 3rd attempt. I was skeptical going in, however for the sake of my kids I was willing to try. After I applied for the mortgage, I was conditionally approved pending the documentation needed to get the final approval. All was going well until Quicken needed proof of the down payment. When I supplied the bank statements, the underwriter had declined the documents I supplied because they wanted a document that showed the URL address of the website. I supplied them with the bank statement directly from XXXX  XXXX XXXX. As its the one that gets mailed to my home. They stated that was not good enough. In fact they stated it looked like a document I had created on a word document. I was absolutely appalled. I work in the mortgage industry, and I have never accused a customer blatantly of creating false documents. That is not for me to imply, there is a whole separate team for that, called XXXX. Every financial institution has one. So for an underwriter to make the assumption on his own will, told me they had truly discriminated against me and my family. Was it perhaps my race, the fact I was a single mother, or a woman. Either way, this was totally uncalled for. Even though I knew I was not required to go the extra mile, I was willing to. I offered my logins, screen shots, branch print outs signed by a teller, everything. And it was not good enough. The processor told me on the phone, and the calls are recorded. So if the call is pulled up, you can hear when she tells me my documents looked to be made thru a word document. I have heard in the past that Quicken was a bad company to deal with, however I was willing to give them a chance. But now, I see why people were saying. And mostly minorities who were telling me. Unless your someone else, or make a substantial amount of money, they will treat you different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This final t refuses to call me their executive office always calls me instead they email me Im not happy with their response they have not taken care of my concerns I recently applied for a credit line increase on my Exxon Mobils account and was declined for ridiculous reason which has nothing to do with my credit even though it was pulled without my consent the reason on the letter insufficient time since last review which doesnt make any sense since I never requested a line increase in last 6 months I never got this I dont understand them I called customer service they refuse to help me and their executive office too

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 2017-07-13
Company: EQUIFAX, INC.
State: MI
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:
This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. EQ, XXXX, and " XXXX XXXX XXXX '' are ruining my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
State: MI
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:
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX. My email address is XXXX. 

I had a Citibank credit card for several years. I can not give you the credit card number as I cut the card up and threw it away. The original last XXXX digits of the disputed card the charges were made on is XXXX. The last XXXX digits of the card that they sent to replace that one is XXXX and that card has also been cut up and thrown away. 

On XX/XX/2021, I received a telephone call from Citibank indicating that charges were being made to my credit card in XXXX, GA. They asked if I made or authorized these charges. I told them they called me on my home phone in XXXX and so " no '' I did not authorize or make those charges. They immediately closed my account They indicated that XXXX charges ( {$50.00} XXXX ) were made on my card at Performance Prediction XXXX GA ) and XXXX charge for ( {$61.00} ) at XXXX XXXXXXXX # XXXX XXXX XXXX Ga. I was told these charges would be removed from my card. 
When my statement arrived, all charges were listed for payment. I disputed it. The following month XXXX of the Performance Prediction charges and the XXXX XXXXXXXX charges were removed. XXXX Performance Prediction charge for {$50.00} remained. Citibank indicates they can prove I made the charge. I have called XXXX or XXXX times ( maybe more ) and disputed the charges. They tell me it will be taken care of and nothing happens. However my bill that was due XXXX listed the remaining {$50.00} charge and added a penalty of {$29.00} because I didn't pay it. Repeated calls to Citibank have been unable to resolve it. They say it's fixed but the telephone calls and emails about the unpaid bills continue to come. I receive phone calls from them EVERY day about the bill and emails every XXXX day. I have filed a police report # XXXX with the XXXX XXXX Michigan Police Department XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted XXXX XXXX on XXXX and he suggested I try to resolve it with 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 monetary relief
Consumer complaint received 2019-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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. I'm disputing this compliant because I applied to an apartment and I was denied because of inaccurate information on my credit file. I am a twin sister and i have been having a lot of problems with my credit. My twin name is XXXX XXXX XXXX SS # XXXX. 
( Report ID # XXXX ). XXXX XXXX XXXX ( XXXX ). 

1.I am disputing XXXX XXXX XXXX I only have a debit card, and never had a charge off with them. Date XX/XX/16. Amount {$9500.00}. 
2. Portfolio- XX/XX/XXXX- I am disputing - I have never had an account with them. Amount {$410.00} 3. XXXX XXXX- I am disputing because i never had an account with them. Amount {$650.00}. 
4. XXXX XXXX XXXX XXXX I am disputing I never had an account with them. 
Amount {$250.00} I am also disputing the inquires on my account from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Please forward correspondence to my address at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the Chase account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation but, I do not believe any of the the 3 credit reporting companies were provided the correct information by Chase with no evidence of the recording ( which Chase tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

Company response to consumer: Closed with explanation