BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Upgrade, Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX - Opened Checking account with Upgrade.com using a promotional offer that credits {$400.00} to my checking account once I complete 3 debit card transactions by XX/XX/XXXX. I also opened a Credit account with Upgrade.com the same day. 

XX/XX/XXXX - Received Email confirmation the debit card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - Received Email confirmation the CREDIT card was sent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I receive the CREDIT card in the mail at my home address on file with Upgrade.com. I still have not received the DEBIT card. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com, but the representative I spoke with wanted me to wait a few more days " just in case '' it arrived. She confirmed my address is correct. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to have my debit card replaced. The representative on the phone submitted another replacement request for the debit card. He confirmed my address is correct. 

XX/XX/XXXX - Received Email confirmation the debit card was resent to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I still have not received the DEBIT card. I called Upgrade.com again to escalate the issue as my address was confirmed to be correct by several different representatives. I asked the representative to escalate the issue and she said raised an internal ticket to the product team so they can manually send my card. 

XX/XX/XXXX - I still have not recieved the DEBIT card. I called into upgrade again to check on the status of the internal ticket and there had been no further updates to it. The representative on the phone asked for an update on the issue via the internal ticket. 

XX/XX/XXXX - Received Email confirmation the debit card was resent again to my address on file. ETA to receive a card is 7 to 10 business days per Upgrade.com. 

XX/XX/XXXX - I STILL have not received my debit card. There is no way to perform debit transactions with the checking account. There is no virtual card that can be utilized on the checking account. Furthermore, the Upgrade representatives I spoke with on the calls told me to call back later once I was closer to the promotion expiring to see if Upgrade will extend it. Upgrade has provided me no solutions in resolving this issue. They have repeatedly stated they do not expedite card ships under any circumstances and they have not provided me any other options or compensation other than repeatedly submitting requests for a new DEBIT card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a running battle with Synchrony Bank. I keep paying off my monthly total and they keep charging outrageous interest. Here 's 2023 : Month Balance* Interest Rate XXXX {$300.00} {$6.00} 25.3 % XXXX {$140.00} XXXX 68.7 % XXXX {$400.00} {$9.00} 28.3 % XXXX {$380.00} {$10.00} 33.0 % XXXX {$540.00} {$15.00} 33.7 % XXXX. {$350.00} {$18.00} 61.3 % * WHAT they claim, but that wasn't my balance posted on line. 

They refunded the {$18.00} after I protested for the last 3 months and they told me last month IF I paid off the {$200.00} there'd be no interest. They still applied it any way. 

I DON '' T like there shady practices. I go on line EVERY month ( XXXX ) to get my balance, except the value posted wasn't my true balance. Took me 3 months to get that straight, and I complained then about unfair interest charges. 
Synchrony Bank is gouging theor customers and not being transparent with your balance owed. I have 5 other cards ( general and dedicated stores ) and this was the ONLY ONE I had issues 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 monetary relief
Consumer complaint received 2023-07-07
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
our company is reporting two accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Conduent Incorporated
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/23, used the way2go card app to locate ATM. Per cardholder agreement with state, there are no-fee withdrawal at XXXX ATMs XXXX Locator showed ATM inside the XXXX store that has also been used on XXXX other occasions with same card. After withdrawal of unemployment funds, see fee for XXXX cents. I contact the customer service number advise charged when shouldn't be and referenced the cardholder agreement and app locator. Told they would reverse fee. Now in XXXX week still not fixed and now unable to access funds as their network of ATMs has min withdrawal of {$20.00} however fee leaves balance as XXXX. Call customer service again told nothing they can do its pending. When asked how supposed to access my funds when they are in violation of cardholder agreement, get told can always use teller, for which there is am additional fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear CFPB, I am writing to dispute the bankruptcy that appears on my credit report. As per the Fair Credit Reporting Act, it is my right to request correction of any inaccurate or incomplete information on my credit report. However, I believe that the bankruptcy appearing on my credit report is inaccurate and incomplete. 

I would like to point out that the Bankruptcy Court, as an information provider, does not report any information to credit reporting agencies or any other agencies. Therefore, the bankruptcy appearing on my credit report is not a result of accurate reporting. 

I request that you take appropriate action to correct this inaccuracy on my credit report, and that the bankruptcy be removed from my account as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
XXXX XXXX Account number XXXX I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX Account number XXXX. Please investigate and PROVIDE PROOF with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me generally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antidates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR
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:
Account for my ex husband is showing on my credit report. Account paid in full on XX/XX//2022 Would like to have removed from my credit report because we are no longer married.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019 I made an uninformed decision when I entered into a consumer transaction with JPMCB CARD SERVICES. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. As a cause of this the account ended up becoming a charge off and So now this account is reporting as a charge off on all my credit reports. I have disputed this account several times because JPMCB is not following the law. They have continued to keep this account on my credit report causing me emotional distress, denials, embarrassment, humiliation, and worry. Because of that I have reached out to JPMCB CARD SERVICES one last time sending them a certified notarized letter via usps tracking number XXXX. Also I have uploaded the letter to this complaint as well as a denial letter that I received due to this reporting. Per IRS publication 4681 canceled/charge off debt ( s ) are to be reported as income on form 1099c. By law JPMCB CARD SERVICES cant report their debt on my consumer report. According to the IRS a charge off is supposed to be INCOME. A charge off cant be reported as both income and debt. Why are they reporting income on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: PA
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 account XXXX XXXX Account # XXXX is reporting inaccurately through all credit reporting agencies. This Account has been written off and Charged-off on all three credit bureaus the balance should be reporting a XXXX balance, If the company has written the account off bad debt, the IRS states that this has now become income and income should not be reporting on my credit report. After numerous attempts of disputing with the the Credit reporting agencies and failed thorough investigations I would like to see this account removed from my credit report. In addition to the Credit reporting agencies is reporting inconsistent " date of last activity '' on all three credit reporting agencies. 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax:XXXX  The inaccurate reporting is Violating my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Consumer Finance Protection Bureau, I am writing to you today in the hope that you can assist me with a matter involving US Bank. I have filed a complaint with US Bank regarding a closed account with a balance of {$11000.00} that has not been returned to me. This is the second time that I have filed a complaint regarding this issue. 

US Bank has not issued me a check for my funds, and as of today, the funds can not be returned to the lender because the account is in collections and has been sold to a debt collector. This delay is significantly affecting my credit score, and I have not received any resolution from US Bank.

I am urging the Consumer Finance Protection Bureau to take action and enforce US Bank to send my funds in the form of a check as a matter of law. I have done everything in my power to resolve this issue with US Bank, and I am left with no other option but to seek your assistance.

I kindly request that the Consumer Finance Protection Bureau intervene in this matter and ensure that US Bank fulfills their legal obligation to return my funds. I appreciate your attention to this matter, and I look forward to hearing from you soon. I've also included as an attachment US Banks original response months ago. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: PA
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:
After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXXXXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, 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

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 2023-04-27
Company: EQUIFAX, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 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 2022-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Customer service lied and told me I would be able to withdraw my funds from.a local branch after they closed my account before last case was resolved in my FAVOR. A letter from Capital Ome dated XX/XX/2022 states CLAIM # XXXX FOR ACCOUNT ENDING IN XXXX DISPUTE HAS BEEN RESOLVED. CAPITAL ONE CLOSED MY ACCOUNT TELLING ME IVE MADE TOO MANY DISPUTES IN BAD FAITH BUT I HAD PROOF THEY WERE ON THE SIDE OF THE SCAM MERCHANT AND CHARGED BACK THE FUNDS EVEN THOUGH I SENT IN PROOF. ALSO I AM XXXX AND MY SOCIAL SECURITY CHECK FOR THIS MONTH WAS BOUNCED BACK AND I STILL DONT HAVE IT. THAT IS ILLEGAL THOSE ARE PROTECTED FUNDS I WAS TOLD BY CAPITAL ONE MANAGERS AND REPS. ONY TODAY XXXX XXXX TOLD ME I HAVE TO WAIT FOR A FINAL CHECK TO BE MAILED TO ME I CSNT GO IN AND WITHDRAW LIKE THEY TOLD ME PREVIOUSLY. WONT LET ME TRANSFER SND I NEED MY MONEY NOW ESPECIALLY SINCE I STILL DONT HAVE MY SOCIAL SECURITY CHECK FOR XXXX. THIS IS MALICIOUS INTENT PLEASE HELP! THEIR CORPORATE PHYSICAL ADDRESS IS : CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX XXXX XXXX. I CANT PAY ANY OF MY BILLS OR MEDICAL EXPENSES AND XXXX XXXX THIS IS A SCANDAL AND I WANT THEM TO PAY FOR THIS ERROR!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Delete for Violation 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX  5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account.

Company response to consumer: Closed with explanation