BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: GA
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 Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CITIBANK, N.A.
State: GA
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:
This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation

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 2022-11-29
Company: Experian Information Solutions Inc.
State: TX
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 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 U.S.C 1681. 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. 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. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXXXXXX XXXX XXXXXXXX : Acct. # XXXX XXXX XXXX XXXX XXXX XXXX Acct. # 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 2023-05-29
Company: Self Financial Inc.
State: TX
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:
Ive recently checked my credit report and I see there are accounts that Ive never opened and I need them removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX is when my credit card with Citibank was closed by the system due to having returned payments, but the bank has not consulted me and their algorithms determined that it was worthy to close my credit card completely without an evaluation on what is going on with me financially at the time. I made several small payments towards the card but underestimated my finances at the time to cover those small payments. Believe the total was XXXX dollars. 

I believe that it is a petty reason to close my credit card without allowing me to pay for those fees along with the monthly payment and just to conclude their service for me. 

They closed the card based on returned payments, and I have been their customer since 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 2023-05-29
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
When I purchased my home in 2021, I was advised by you that I would be required to pay PMI until I had 22 % equity in my home. After the purchase I made improvements to my home the had an appraisal that confirmed I had increased the home value and had more 22 % home equity. 

However, when I called to request that my PMI be removed, I was told that I would have to pay PMI for the life of my loan. This is not what I was told when I purchased my home, and it is causing significant financial hardship to my family. We are struggling to pay our mortgage, and the PMI payment is making it even harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had credit cards from Bank of America for both my business and personal, I made all payments on time once I tried to request to increase my credit for my business account after many years, but Bank of America close all my credit cards personal and business. I tried to talk to them, they said you will receive an answer by mail which I didnt receive anymore, again I called them finally they said this is XXXX department decision!!! I asked them why only for request to increase??? Again no answer

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 2022-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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 XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXXXXXX, AKA XXXX XXXX XXXX, AKA, XXXX ran an inquiry on my report without my verbal or written consent. 
I spoke with XXXX, XXXX who are finance managers stated they could not find me in their system. 
Inquiry date, XX/XX/XXXX, three consecutive times. Typed letter was given to manager XXXX on XX/XX/XXXX. He apologized, gave me a gas ticket receipt for {$40.00} stating it would be removed from my report. ( I have a copy ) My credit union, XXXX XXXX gave me a check to purchase a vehicle, I informed XXXXXXXX XXXX XXXX I don't need to sign any documents I was approved through my credit union. 
I never consented or signed anything. This has affected my credit score. 
Their address XXXX XXXX XXXX XXXX XXXX ca XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account on my XXXX credit report by : Chase Bank Credit Card ending in XXXX Opened XXXX, 2022 {$500.00} limit {$370.00} balance 120 days past due This is not my credit card. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, 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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-05-29
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/2023 I purchased four ticket to XXXX. The site showed an amount ( {$6800.00} ) but my credit card was charged more ( {$7800.00} ). 
I immediately called my credit card to cancel the transaction, the agent confirmed the cancellation but a few days later I noticed the payment was still pending on my cc. When I called my credit card customer service they asked me to call the merchant which I tried to do but with no success.

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 2023-05-29
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Purchased a vehicle from US Auto Sales on XX/XX/XXXX for {$22000.00}. I found out XX/XX/XXXX that I could not pay my bill online like I normally do. Once I tried to call US Auto Sales, it stated that the loan was transferred to collections under XXXX XXXX XXXX. I started to XXXX and search social media and that's how I found out that US Auto Sales closed down and many accounts were transferred to collections. Not sure what is going on with things like titles and gap insurance but I'm hesitant on making the next move without some answers. My vehicle is almost paid off.

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 2023-05-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a wells Fargo credit card and was denied they told me the reason was that I had a card with an unpaid balance. I have never had a credit card with Wells Fargo Bank. 
My ssi number is 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 2023-05-29
Company: Synergetic Communication Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Robo-calling relentlessly, I am not the person they are calling for an owe no unpaid debts to anyone. 

They have identified themselves as Synergetic Communication, INC or other companies in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from Cedars Business Services LLC, XXXX : XXXX, on XX/XX/XXXX. This is on behalf of XXXX XXXX XXXX ( Account number XXXX ) to collect a debt of {$2400.00}. I contacted XXXX XXXX ( XXXX XXXX ) and spoke with XXXX on XX/XX/XXXX. She told me that an account was opened using my name and social security number in XX/XX/XXXX. The service location was registered to a New York Address ( XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The person on record for method of payment was registered to " XXXX, XXXX XXXX '', who claimed to be my wife. I have lived in XXXX, Texas since XX/XX/XXXX, and I do not know a person by the name of " XXXX, XXXX XXXX  ''. I am a victim of identity theft, and someone has fraudulently opened the account with XXXX XXXX using my personal information without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Bepensa Capital, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive sent letters to correct the action. Ive even reached out for the company to provide the original contract and still have not received the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

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 Advanced collection account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion keeps locking me out of my account and I am unable to access my Transunion ACCOUNT. i'VE RESET THE PASSWORD AGAIN!!!!!! And it goes to a broken loop that resets to the start screen and will not process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Zions Debt Holdings
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A XXXX  Account Was Created By my Sister and Yes I Signed For Her To Get The Account and She Must Have Default on it, Well, Later XXXX Written Off and/or Discharged The Account About a Year Ago and Now Some Other Company Must Have Brought The Account and They are Citing My Credit as Collections, I Did Dispute it When it Was With XXXX  and I Dispute This One Also. I Also Have Others That I'm Paying Back Through XXXX XXXX and It's Showing as Delinquint But It's Not I'm Paying Them, It's Just Through XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Atlanticus Services Corporation
State: OH
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 customer service

Complaint:
Issues with my aspire card I have been going round and round with them the closed my account then went back and said the charges were fraudulent and removed them. Why are they refusing to reopen my account? These charges are not my responsibility and aspire card removed them. Why will they not issue a new card and open my account?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied and received an Ashley Furniture card with 24 months deferred interest. The 24 months expired in XX/XX/XXXX. I called in XXXX to arrange to pay the remaining balance, so that I would not incur interest. I asked and was told to pay {$280.00} which I paid on XX/XX/XXXX. I specifically asked and was told that this would make the account {$0.00} and I would no longer owe synchronicity and money. This was a verbal agreement, that if I paid {$280.00} before XX/XX/XXXX. The account would be paid in full and closed. Since than synchronicity continues to call and harass me saying I owe more money, and late fees. They have added these false charges to my credit report. In 24 months I never missed a payment and this had ruined my credit. When I called in XXXX the customer service rep told me I owed {$280.00} and that would take care of the account. This constitutes a verbal agreement between myself and synchronicity.

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 2023-05-29
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/23 A man showed up to my place of work with a summons to appear in court XXXX XXXX XXXX XXXX for XXXX XXXX XXXX 
Had no prior contact with the collection agency prior to the summons of garnering wages, threatening to take money from my back account. 
My husband is in remission from XXXX our home was damaged by the severe weather in California. This has affected my mental health. Help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
For years I've gotten messages saying I need to apply to credit cards with high interest rates to improve my credit score. On many occasions I have and was denied. As a result my credit score dropped because of the hard it. This is a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My personal loan payment of {$450.00} per month was due on XX/XX/XXXX. I paid through my bank and it was paid by the bank on XX/XX/XXXX. I started getting emails from American Express stating that my payment was overdue. After three of those, I received an email stating they would report it to the credit agencies. I called and they said they would take care of it. I have called him a total of three times. Yesterday XX/XX/XXXX I called and they said there was a problem with processing on XX/XX/XXXX the date on which I paid. Its hard to believe after 20 calendar days they can not fix this. Now my American Express credit card is locked and I get Im getting rejections on purchases made on that credit card. They keep trying to tell me theyre there helping me but they are not and now Im going to get reported to a credit agency, and I have to go through a lot of trouble paying these bounces with other credit cards. An AMEX person called XXXX told me that if I get reported to the credit agency they will fix it. I do not believe them. I believe something is happening in their system and for some reason they can not fix it and keep telling me they will. XXXX said she was going to call me Friday, XX/XX/XXXX but she did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
For years I have gotten text messages and emails advising me to apply to high interest credit cards to boost my credit score and was denied. It reduced my credit score

Company response to consumer: Closed with explanation