BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I previously had an account with XXXX for two years from XXXX, I was a loyal paying customer and had my account under auto pay. A few months before I disconnected my services, I called to lower my bill as I was going through financial hardship due to COVID but was informed by a Representative that due to being on a contract that the Covid relief was not offered to me. 
I called back and spoke to a supervisor who said theyll work with me, but all that can be done was stop the XXXX XXXX XXXX XXXX XXXX only if I made the payment in full which was done, unfortunate for me It really made no difference, mind you at this time I just had internet. 
I was then billed as if I were receiving services that I honestly was not. I researched on XXXX how to submit a complain and claims in which I did back on XX/XX/XXXX, I have not heard back from them. However, I did have a collection agency reach out to me today via Mail ( Sequium Asset Solutions LLC ) to inform me that I am in collections for approximately {$690.00} which dates to XX/XX/XXXX, again keep in mind I disconnected this service back in early XXXX, and have a credit freeze. Can someone please advise what other protocol can be done to finally resolve this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I just refinanced a loan from Bridgecrest ( account XXXX ), the predatory lender for XXXX, where I purchased a vehicle in XX/XX/XXXX. The new lender XXXX XXXX XXXX XXXX XXXX XXXX approved a loan for {$19000.00} and sent a check to Bridgecrest for that amount, although it was more than the payoff amount due. The day Bridgecrest posted the payment ( XX/XX/XXXX ), my account only reflected a payment amount of {$15000.00} used to pay off the loan in full. According to the new lender, Bridgecrest is to send me a check for any credit balance on that account ( {$3700.00} ), but no one at Bridgecrest will even acknowledge the credit balance or confirm to me when it will be paid. I only get transferred around and quoted general policies by customer service agents who can not see the credit balance either. Can someone assist in contacting the responsible party at Bridgecrest, which seems to hide this information from their own customer service agents as well as the customer whose money they appear to be confiscating?

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 2017-06-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a Chase credit card XX/XX/XXXX with the promise of XXXX SW points. I was recently informed that my remaing XXXX points expired XX/XX/XXXX because I did not have any points earning activity in the past 24 months. However, I do not believe this should have occurred. All of my points came from my Chase credit card and I went back to the terms and conditions of this card. Here is what I was promised in those terms : TERMS AND CONDITIONS : Points do n't expire as long as you have flight or Partner earning activity every 24 months. No Blackout Dates and Unlimited Reward Seats apply to flights booked with points. I had a flight on XX/XX/XXXX. Therefore, I met the first par of the " either or '' requirement to prevent expiration of points. Southwest told me that I needed to have a flight that I paid for with cash, and since I used points to purchase my flight, it did n't count. The credit card terms and conditions do not specify that the flight could not be purchased with points, it merely states that I needed to have a flight. For this reason, my points should not have expired. I would like for Chase to reinstate all of the remaining points ( XXXX ) earned from the credit card as I met the terms of their agreement. If the terms require a southwest flight purchased without points, the Terms and Conditions should specify that. *I attached a copy of the email sent to me by Chase that confirms my points would not expire so long as I had a flight in the past 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

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 2022-04-02
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of this debt in writing over 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX which is now Huntington bank has me in XXXX XXXX for no reason I do not owe them any money I want negative report be removed from XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone call in the span  of 3 wee ks. First call was made on  XXXX   XXXX  followed by the days of  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX  and  XXXX . I explained the situation and mention that I would call when I 'm financially ready to make payments. But the representative was very rude and stated that they will call me every 3 days. I told him I do not need to be called every 3 days. I am aware of the bill. They constantly call me and are very rude.

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 2022-09-13
Company: EQUIFAX, INC.
State: MI
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 an a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is govern by 15 U.S.C 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts XXXX Card Services XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I submitted a factual dispute, based on information contained in my XXXX and XXXX credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked Khols/Capital One to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years.

I do not understand why the credit bureaus and Khols believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Unknown and unauthorized hard inquiry on XX/XX/2019 by JPMCB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
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:
SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX EQUIFAX DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO EQUIFAX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND EQUIFAX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XX/XX/XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: CITIBANK, N.A.
State: WI
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 been with  XXXX   XXXX    XXXX   XXXX   since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept Best Buy and   XXXX    XXXX . Best buy shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX   still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.

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 2022-08-04
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Under XXXX. I have 3 collections causing my credit score to suffer. I have tried multiple times to have these removed to no end. 

Spring Oaks Capital for {$610.00} XXXX XXXX XXXX for {$580.00} XXXX XXXX XXXX  for {$360.00} I would like to have these removed. TXXXX suggested I contact the Federal Trade Commission, so that brought me here. 
Any help is appreciated in these matters. 
Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions 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:
There are numerous complaints logged concerning this matter and still it remains unresolved. Just what does it take? I have contacted the company my balance   XXXX    paid in Full  XXXX   XXXX  did not close the acct but was advised by the creditor " the account credit line remained open for purchases. '' I have filed the written  XXXX  character explanation. I have contacted the creditors and still this company can not post correctly. Last report I was informed it would take 60 days and the multiple complaints open for months. Mortgage paid  XXXX  Balance  XXXX    XXXX  ! 2 Months more unacceptable. This report number  XXXX   XXXX  Impacting me financially significantly showing debt that does not exist.

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 2022-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Bread Financial Holdings, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the 604 fair credit reporting act, after an account goes into collections after 180 days the consumer is not longer responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I made a purchase of XXXX LTC ( litecoin ) for {$4000.00} USD debited out of my bank account, few minutes later I received an email from Coinbase support saying Unfortunately, your purchase has been canceled. If you were charged, you will receive a full refund to your bank account within 3-4 business days. ), 2 weeks later and I still never received a refund into my bank account and coinbase never returned my emails, they do n't even have any phone numbers listed so we cant ever call them for help. I then on XX/XX/XXXX I  reversed this transaction through my bank XXXX, I rightfully got my money back a few days later, then on XX/XX/XXXX coinbase send me another email notification that they sold XXXX XXXX ( ethereum ) out of my account to recover {$4000.00} ( this is something I had previously purchased totally unrelated to this litecoin transaction and was purchased for the same exact dollar amount ( XXXX ETH for {$4000.00} ) on XX/XX/XXXX and fully paid for and settled, as you can see they had no right selling another asset to recover funds that were n't theirs, I am asking for my XXXX ETH to be put back into my account, I have all bank and coinbase transactions and proof needed, I have sent 6-7 emails to their support and no one gets back to me, Additionally on XX/XX/XXXX, I sold  {$3800.00} worth of Litecoin with the intention of buying another currency, after the sale the {$3800.00} went into my US Dollar wallet in Coinbase, then I tried to make a purchase with the funds in the US Dollar wallet and I get a system  notification that all buys in my account have been frozen, so now they are holding my money hostage and I have no way of getting {$3800.00} back, again they do not response to any emails..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into 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 2018-06-01
Company: ENCORE CAPITAL GROUP INC.
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:
Account has been paid In full and continues to report and did not delete in return for payment as I asked in return after I payed. XXXX XXXX in account XXXX

Company response to consumer: Closed with explanation