BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Upgrade, 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 is missing that should be on the report

Complaint:
The Credit Bureaus have not been reporting my Upgrade account timely. The last reporting was on XX/XX/2022. There is no XXXX update, today is XX/XX/XXXX. The Credit Bureaus claim UpGrade has not provided them with an AUD since XX/XX/2022. 
Therefore I must ask and request the following information : Does Upgrade provide monthly updated account information to XXXX, XXXX and XXXX? 
If Upgrade has Provided account information since XX/XX/2022 I am requesting a copy of the AUD ( Automated Universal Data., or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using XXXX to all of the credit bureaus. ) If Upgrade did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been receiving phone calls of harassment, profane, injurious and abusive language, death threats and threats of being arrested and sent to jail and prison from IC System Representatives for an account from XXXX XXXX XXXX XXXX for {$1200.00}. The account and debt is a fraudulent account and debt, and is the result of identity theft. The fraudulent account or debt isnt my account or debt. IC System is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law.

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 2017-06-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is 2 accounts that are reporting on my XXXX credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however XXXX  keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my XXXX credit report over 2 months ago. Yesterday XXXX/XXXX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with XXXX for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about XXXX because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 non-monetary relief
Consumer complaint received 2019-12-02
Company: CITIBANK, N.A.
State: NJ
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:
Hello, One day in XXXX ( I think ), I logged into my citi account online to check credit card balance. When I logged in to the account, I was " offered '' an " upgrade '' of my credit card. This offer randomly pops up sometimes. I ignored previous times, but I said OK for this one.. thinking that it's an " upgrade '' to my current credit card account. I had {$250.00} of cashback available in my account at this point, before the upgrade. 

I knew that this was a different card " type '' but it said ( and I also thought ) it was a rewards card. So, I thought all my rewards and other benefits will carry over. 

Upgrade went thru fine. Everything was online.. a few clicks, that's it. I received a new credit card a few days later. I didn't bother much. I don't actively use this credit card. So, I don't login every day or every week to check my account balance. 

I logged in sometime in XXXX to check my cashback balance -- thinking that it will be carried over from my old account to new. However, it didn't happen. I kept waiting and kept logging in a few times.. every week to see if it updated the account with my cashback balance. However, it didn't. 

Finally, I called up citibank customer service and they were very rude when asked for clarity on my cashback. Rep cashback was lost already because I changed my card and that it was mentioned in my terms and conditions at the time of upgrade. 

I was surprised and shocked knowing this. I would have let it go if it was XXXX . However, my cashback was {$250.00} and it's hard earned. Citi won't just give away {$250.00} just like that. I probably spent XXXX $ - {$20000.00} to earn {$250.00} cashback. So, I strongly feel this is my hard earned money. 

Anyway, customer service didn't budge. I escalated it to the rep 's manager - and she was even more rude. I hung up. 

Later that day, I reached out to " XXXX XXXX  XXXX '' from XXXX. It's a TV program on XXXX where they try to help with such consumer complaints. They replied back saying that they don't get involved with credit card issues due to privacy related matters. 

Hence, I am reaching out to you. Please help.

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 2017-06-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second emailed letter to Navient asking for their review and assistance. I recently requested the paperwork showing my signature for the loan consolidation only to show that it was electronically signed ( paper copy given from Navient ). I have been paying this loan consolidation since XXXX/XXXX/XXXX starting amount was {$49000.00} and through payments over the last 9 years I have paid {$40000.00}. Your website says that I still owe at this time XXXX. you will notice from a review of my account that I have paid more that the minimum for years. I am requesting a review of my account as I feel that Navient is not acting in the bounds of federal loan guidelines and will be reporting my case to the US Consumers Financial Protection Bureau as well as other Government agencies for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of america is not sending right info of my account to   XXXX   XXXX   company the y send the info just 1once a week and send wrong info or older

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 2022-09-08
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fox Collection XXXX reported a {$72.00} collection to all credit bureaus. The original creditor XXXX XXXX XXXX XXXX cleared/paid this XX/XX/2021 debt through their charitable program. I have provided the company proof of documents and they are still not removing this debt. This is causing me financial issues with closing on my home. I need this removed immediately from my credit because it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Fortiva retail credit card keeps reversing my payments to charge me more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint with CFPB in XXXX 2017. PennyMac Mortgage failed to pay my taxes. I called them on XXXX XXXX, 2017 and it took them almost 60 days to pay the bill. This is not the first time they have not paid my taxes. In a response letter from PennyMac they stated they would not charge my the late penalties the township had charged and they said they did not receive any tax bill to pay. 1. My township informed me they did send all tax notices out as normal. 2. On my XXXX statement I was charged for the penalties. I called XXXX XXXX XXXX who signed the letter and she never returned my call. The response letter also said that they would not honor removing the PMI because of the loan value. I know they can make exceptions and would like them to remove the PMI or adjust the account for the PMI to be applied to by principal balance. I can not understand how companies can enforce charges for their protection, but I am unable to enforce any to protect myself. Lastly, The response letter I received had an apology line for my frustration, but it was crossed out in red ink. Another example of unprofessionalism with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting on XX/XX/2015, OCWEN Loan Servicing stopped sending my monthly statements. When I called to ask why I was informed that because of my bankruptcy discharge they were no longer mailing it. I have not declared bankruptcy. I called their main number and after dozens of frustrating calls, I finally spoke with one of their reps. and she promised that she would help me with my concern as sure enough I received a phone call about two weeks later. She was very apologetic about what had taken place and I even received a letter from Ocwen stating that this had been their mistake. My statements began to be mailed to me again and I thought this was behind me. Well, Ocwen no longer services my account. It's now PHH mortgage services XXXX XXXX XXXX XXXX XXXX, NJ XXXX and guess what, we are right back where we were again. I called PHH on2 maybe 3 separate occasions and the last time I spoke with what has to be one of the most rude persons I have ever spoken to, said ( paraphrasing ) get a lawyer and take us to court. I don't know what else to do. Can you help me? 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-06-21
Company: EQUIFAX, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX and Equifax both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that XXXX XXXX and Equifax both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-06-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX, I received a physical letter, dated XXXX/XXXX/XXXX, via USPS notifying me that I owe {$990.00} to " XXXX, XXXX XXXX XXXX '' for an outstanding balance unpaid to " HSBC HOUSEHOLD BANK ''. They requested I remit the total balance owed via a bank wire to XXXX XXXX XXXX or by check to " XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ''. I spoke to XXXX XXXX and someone named XXXX from XXXX, XXXX XXXX XXXX. XXXX claimed the original debt dated XXXX/XXXX/XXXX was sold to them in XXXX by HSBC and then mentioned it was somehow related to a MasterCard through XXXX XXXX. He also refused to give me any contact information for HSBC. After this refusal, he mentioned I could clear my debt today by paying only {$500.00} as a settlement and then asked if I would commit to paying it today. This was very suspicious to me, so I did my own internet search and contacted HSBC immediately and they had no record of my social, account or name. The HSBC rep informed me that they do NOT outsource their collections, but instead have a collections department in house and also mentioned it was strange that the HSBC account number was not referenced in the collection. HSBC recommended that I report this incident to the Credit Bureau, Attorney General and BBB, which I plan to do immediately. After much strife, I did another search for XXXX, XXXX XXXX XXXX and it appears I am not the first they have attempted to scam. I am attaching the scam letter from XXXX, XXXX XXXX XXXX to warn everyone to how bold these scammers have become. Apparently we have to beware of not only phone scams, but also mail scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
Hello, I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. 

On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card. 

2 months later, I saw the balance back in my account. I was very surprised and called Chase. They stated their investigations confirmed that was an approved transaction. I was impressed as I had rejected it since the very beginning and disputed it. I appealed. They asked me to call the Merchant. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation. 

Now, chase is asking me to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: General Motors Financial Company, Inc.
State: IN
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:
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i had my purse stolen one night at a house party with friends and now i wanted to start build my credit up and i go to check my credit and i see all this mess i never in life thought this would happen to me im so mad right now and im not paying debt that i didnt do so i did research what i can do and now im here inquriy below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX trans union collection account below XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX Account {$110.00} XXXX XXXX XXXX Account {$89.00} XXXX XXXX XXXX Account {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation