BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Sezzle Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
So as a XXXX  I try supporting XXXX owned businesses such as XXXX I made a purchase at XXXX XXXXn XXXX and then started making payments on it and was finally able to make the last payment in XXXX of XXXX. I know this is not what XXXX is for. It making a purchasing and paying ir off in 4 payments every 2 weeks. 

I suffered a motor vehicle accident and also while I was being treated for a motor vehicle accident I suffered a XXXX XXXX  making me forget the payments on the XXXX count and after tying up loose ends and getting back to work and getting back on my feet I was reviewing my credit report and XXXX  is saying that Im having a charged off balance with {$270.00} and hes unable to allow me to make purchases even though I have a purchase limit of {$350.00}. 
I know that XXXX  makes the decision to approve or decline a purchase at the time the purchase is made but because I have a incorrect charged off balance of {$270.00} I believe The computer system automatically declines any transaction regardless of the amount or the transaction total because all of the transactions I have tried Ive been under my limit of {$350.00} and also have a credit card on file that is valid and a checking account that is valid with a positive balance and a credit card that has a available balance of at least {$200.00} so I know that I can make the down payment and continue the payments every XXXXo weeks when it is due because I made the first three payments on time but now XXXX is reporting a incorrect balance to the three credit reporting agencies and late payments which is a violation of the fair credit reporting act and is subject to civil litigation. I try and support XXXX supported and owned businesses as being an XXXX service member but it seems that XXXX doesnt care or doesnt want the business from fellow service members or XXXX and I find that insulting. I have included proof that the total balance has been paid from the XXXX app on my phone and demanding that the XXXX account be removed completely from all credit reporting bureaus and that my XXXX  privileges be reinstated and be able to use my limit of {$350.00} as I meet the minimum requirements. 

I have tried contacting customer service twice in the past month Im not good on exact days that Ive contacted them but customer service has no clue what I am talking about or there is a conflict of language being that they are in either another country the XXXX or XXXX I am not too sure I wanted to support XXXX  over the other 4 make payment program such as XXXX or Zip. They are more then happy to take money and use their service but XXXX doesnt care and just declines purchases based upon inaccurate information that they are reporting to the credit bureaus and that is in their computer system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRUIST FINANCIAL 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 status incorrect

Complaint:
I closed my bank account with Truist back in XXXX or XXXX of 2022. There was a XXXX XXXX credit line that I paid off and was told that it would close along with my checking. I recently got my credit pulled and Truist is reporting delinquent with past due amount of {$3.00}. I have now which paid that. I was not notified that there was still a balance due on this account. I was under the impression that the account had been closed. I have reached out to Trusit and asked if a letter can be sent to have this taken off my credit report as I feel this was a banking error on their end.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 instruction.

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 2021-09-04
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid 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:
Upgrade approved credit line XXXX after submitting the verification documents to the final review department. Only to find out that a hold was placed on the account stating that they need to verify identification. I have sent them this information and find it to be a violation of the Fair Lending Act. I am in the process of contacting my attorney if they dont resolve this! Why did you approve me, verification department clearly approved the account and then suddenly I have a hold on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I the consumer, XXXX XXXX checked my credit report recently to find that a bill related to my medical visit was reporting on my credit. I did not give XXXX XXXX XXXX XXXX XXXX written consent to share my medical information, nor did I sign a HIPAA. Which they failed to comply with HIPAA regulations detailed in 45 CFR Parts 160, 162, and 164. They illegally sold my information to XXXX XXXX XXXX. According to 15 usc 1692g XXXX XXXX XXXX were to reach out 5 days before in writing to notify me of this alleged " debt '', and they did not. As a consumer only I can validate this debt and I XXXX XXXX do not validate this debt.

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 2019-10-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.

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 2023-03-06
Company: Bread Financial Holdings, Inc.
State: FL
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:
Good morning, this issue is with comenity bank, XXXX XXXX XXXX XXXX  card in my name ending in XXXX. The problem is, every month without fail I send my payment and it's never credited until after I make an electronic payment, as if they are purposely not depositing the check to run up late fees. For example, on XX/XX/XXXX I sent a check to them due XX/XX/XXXX, still as of now not credited to my account. I don't have this issue with any other company I deal with. But this is always a problem and they can't always blame the post office. Other companies I can mail across the country and it's credited in XXXX  days, but this one doesn't go half as far and this happens every month. And I really don't want to hear their form letter response about paying other ways.i choose to pay this way and it's never a problem with any other company but it always is here. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was told I was approved for a Chase XXXX business card over a week ago. I was told I would receive the card in 3-5 business days. Im being charged a substantial annual fee for a card that I dont have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX XXXX Balance : {$140.00} ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Modern Adjustment Bureau
State: CA
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:
DR  XXXX XXXX sold my medical information and violated my HIPPA rights to the company MODERN ADJUSTMENT BUREA. 

Also XXXX  is still reporting this information despite a violation of my HIPPA rights. 

None of this debt has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. states i have the right to privacy.

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

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have disputed two accounts over 60 days ago with Transunion and another company by the name of XXXX XXXX XXXX XXXX which neither accounts never belonged to me and were the result of identity fraud/ Despite my previous disputes with both XXXX   XXXX XXXX  and XXXX  XXXX XXXX XXXX reporting to my credit file. XXXX XXXX XXXX has intentionally violated THE FAIR DEBT COLLECTION PRACTICE ACT 15 USC 1692e 8 which states " Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a debt is disputed. On the other hand Transunion has failed to respond within 30 days of my initial dispute which is a violation of the Fair Credit Reporting Act in addition to not blocking fraudulent information upon being notified by consumer within 4 days per section 605b. These actions are considered illegal under the laws that govern the consumer reporting agencies as well as Debt collectors and both parties should and must be held accountable.

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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.

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 2023-03-28
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 this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an 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 2020-02-06
Company: Century Credit & Collections, LLC
State: CA
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:
CENTURY CREDIT & COLL is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with CENTURY CREDIT & COLL. I also never authorized XXXX XXXX XXXX to release my medical information to a 3rd party collection company. 

CENTURY CREDIT & COLL is reporting invalidated debt. 

XXXX is as well in violation of my HIPPA rights reporting invalidated debt 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 2019-11-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi ( Citi/AAdvantage credit card ) is advertising a {$120.00} XXXX XXXX flight discount if you spend the required {$20000.00}. I spent the required money but the Citi refuses to provide me with the flight discount. They have all my spending records - and I do to - so I will not restate here. 

I spoke to Citi ( XXXX ) on XX/XX/XXXX at XXXX : XXXX XXXX for 25 minutes who reviewed my spending and agreed with me but said she had to submit for approval. ( Her notes of the phone call detailed my spending as well. ) On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX stating I did NOT qualify - no explanation provided. 

On XX/XX/XXXX at XXXX XXXX I called and spoke to XXXX at Citi who also reviewed my records. She indicated that I easily spend over the requirement - she then put me on hold and said she would have to get with her manager. XXXX came back to tell me I would have to write the company - and provided me with a fax number to state my case I am getting the run around from Citi. I have my documents - I have spent the required money yet Citi will not provide the benefit. What do I have to do? This is why I am turning to you and to prevent others from being taken advantage of by Citi.

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 2017-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX company is a debt collection company who hired a courier to call and contact me in order to " serve with legal documents '' I was unable to answer the call at the time because I was at work, the individual proceed to tell me over the phone that if I did not respond or he could not find me at work then he would take it as me not wanting to comply and they would '' take me to court '' When I called the company back I spoke with XXXX XXXX who stated they hired courriers but would go down to the " legal department '' and see if he could get my paperwork. He placed me on hold and told me it was a wells fargo account from 2008 almost ten years ago. He told me I had only two options one was they would proceed with legal action and I would have to go to court where the judge if found guilty could ask me to pay up to 2000 but I could also go with second option where they would stop legal action and all I would have to pay was a bit over 800. I was in the middle of work had to attend a meeting and I agreed not knowing it would start statute of limitations again if I gave anything. I gave XXXX but later realized it was intimidating when he and courrier spoke about legal action, court and showing up at my work to collect a debt that is almost ten years old, now that im recalling never showed on my credit report. when I gave him my card he said I have to go run in when he came back he said " good news I was able to stop courrier and now you wont be taken to court '' I again found the whole incident very intimidating because he also said if I went with option 1 my name would be on legal documents for everyone to see

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 2017-12-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a condominium with a mortgage from Wells Fargo. I have been uploading my insurance certificate repeatedly to their website at XXXX for several months, faxing the info to the number I was given, and have made two telephone calls to them. Yet I keep getting notices saying that they do not have my current insurance information. Now i just received notice that they have purchased insurance for me, despite my already having insurance. No matter what I do I ca n't seem to get this resolved, and if feels like they just want to charge me for insurance. It 's very frustrating because I 've wasted a lot of time trying to fix this. My insurance agent has confirmed that Wells Fargo has all of the property information and that my own coverage is in place. Wells Fargo is not easy to work with.

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 2019-10-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Experian previously about this account. In a recently recorded conversation XXXX XXXX XXXX told me that they couldnt find an account with my name or the info I provided and that they didnt have an account for me. Yet Experian continues to report it. How can you report an account that they say that cant find, but when I dispute it you all say that it has been verified but the furnisher. I have asked numerous of times for this account to be removed. I have attached the recorded conversation.

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