BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: Upgrade, Inc.
State: CA
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:
have a problem with XXXX XXXX and with particularly with Upgrade Card. I was misled and lied to. Given completely false promises that were never honored. All my efforts for peaceful resolution did not go well. Upgrade Card would not honor what they promised. 
Let me start from the beginning. I was referred by XXXX XXXX to apply for Upgrade Card with a {$400.00} signing on bonus. From the start, Upgrade gave me lies. First they told me ( and I have all e-mails from them to prove it ) to provide some documents and the half of the approved {$2000.00} credit will be available right away. That never happened. It took them a month and a half to have the money available. Okay, I let it go. No problem. However, when I inquired about {$400.00} that was suppose to be given to me as a credit after 3 months of having my account in a good standing they told me that I should not be worrying everything will be posted to your account next billing cycle which suppose to start in XXXX. That never happened. I tried calling back again but this time they told me that I should have opened a checking account with them and fund it. I did not do that therefore I am not eligible for promotion. That was a shock to me. It was never in the picture before.I even tried talking to superviser but they started saying same thing. It only started in XXXX. That's when I supposed to see the credit they promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 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 2022-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX 2. Account Name : XXXX XXXX  Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX 5. Account Name : XXXX Account Number : XXXX Amount : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CA
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: Billing dispute for services

Complaint:
I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
From a collection agency called XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX This showed up on my credit report dated XX/XX/XXXX, so let me clarify 1. This is with XXXX XXXX, not an actual debt it is with an educational institution that I have been disputing this since XXXX and XXXX. You can not attend XXXX unless your classes are paid for in advance. My school loans from fasa and Pell grant monies total XXXX. This supports this statement. 

2. This is the second collection agency they have hired again with the wrong information 3. You can not report a debt when it's money owed to an educational institution especially since it has been in the deferred time frame.

4. I also spoke to Transunion, and XXXX again instead of doing their due diligence they just ask if this is correct and of course, the reply is always yes it is always the person putting in the information that has to do their own investigation and support it with documentation in with today knowing companies are fraudulent and abusing with business tactics like constantly selling debt to another collection agency with the wrong date and then it starts all over again. This should not be allowed because they had XXXX when it was XXXX as an example 5. No contact written or phone calls and I am listed and all over the internet and if calls were made, they left no name and a number that did not work, and all of this is saved in my phone records.

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 2022-06-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
to whom it may concern, im writting to you regarding a concern about my loan with Shellpoint Mortgage XXXX # XXXX. As of XX/XX/2021 Shellpoint Mortgage XXXX # XXXX requested to produce a copy of y home insurance policy to verify the policy was active and valid. The same month a copy of the policy was provided to Shellpoint Mortgage XXXX # XXXX validating the current policy. 
Now after several months i found out that Shellpoint Mortgage XXXX # XXXX placed an extra insurance on my account claiming i needed a higher coverage like marble flooring, appliances, electronics, wood flooring, etc. required by the servicer of my loan ( Shellpoint Mortgage XXXX # XXXX ) i called my insurance policy to verify if the information provided by Shellpoint Mortgage XXXX # XXXX was accurate and valid. My insurance agent told me that Shellpoint Mortgage XXXX # XXXX was misleading me to pay for an extra insurance policy that is not required. 
Now Shellpoint Mortgage XXXX # XXXX charged my account without my permission and increased my mortgage payment substantially causing a financial hardship. 
i contacted Shellpoint Mortgage XXXX # XXXX and their insurance company and they keep refusing to cancel the extra policy that Shellpoint Mortgage XXXX # XXXX placed on my account, i requested a manager and supervisors who refuse to return my call for further escalation. 
i am now very concerned because my mortgage company put me in a situation where they increased my monthly payment and putting me in a hardship. 
please help since im running out of time and will be missing my next mortgage payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I was put on automatic withdraw for payments at onset of Heloc ( line of credit ) in XXXX. I had been and am still paying for it. Original amount was {$20000.00}. I was told it was more later. I can not find proof. 
Then, on XX/XX/XXXX, there were two amounts taken from my account. Both amounts on same date. {$24000.00} and {$19000.00}. I was not notified of the transactions until early XXXX. When I called to set it straight, they said it was too late. But, they never notified me like they were supposed to. I had called several times before but they ignored my complaints every time. They could not tell me who or how that money went out of account. I do not know what is next.

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 2022-08-24
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: AMERICAN EXPRESS COMPANY
State: WY
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:
Dear CFPB, After numerous attempts to contact AMEX about a fraudulent credit card taken out in my name in early XXXX XXXX, I have had no success at all even after the police report was finished in receiving any help in disputing the charges. Furthermore, the company sent me to debt collections even after the detective on my case provided AMEX with undeniable proof the credit card was taken out fraudulently contained within the completed police report. I have been lied to on the phone about being sent contact information of someone I can send a police report to myself and I keep receiving notices that I took out the card and therefore I am liable. I had no idea a credit card was taken out in my name, I was not even living in the state the card was taken out in. I am really disappointed with AMEX for providing ZERO security in regards to who can take out a credit card. The card was maxed out by the person who did take it out within a matter of weeks at almost {$12000.00}. I have never even been approved for this high of a credit limit before and it shocked me that someone could do this without my knowledge, and AMEX has not only been unhelpful, they have been rude and even mocking. 

The perpetrator also opened a second credit card in my name, an XXXX XXXX through XXXX XXXX, for {$8000.00}, also maxed out within a few weeks, and though I haven't heard anything further from XXXX, they have not let me know they have dropped the charges either after I reported the fraud. All employees at XXXX were professional and kind though, even though I haven't heard back about a resolution. 

Thank you for your time. Someone recommended I take this next step. I appreciate your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Looking at my reports I see that your company is alleging that the accounts attached to this complaint are negative. Your company is furnishing negative information without proof of verification of this debt, or that you have followed all laws and regulations to report. There for you must remove the accounts that are attached this complaint. 
I am aware that reporting information that has not been proven to be accurate is against the law. 
I demand that you provide me with concrete evidence of my obligation to the accounts listed in this complaint. 
Please understand that as a consumer I am aware that negative remarks reporting on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. If you are not able to provide the full reports on how you validated, verified, and how you are in compliance then your must remove the accounts from my credit report. 
Acct 1 beginning with XXXX, Account 2 beginning with XXXX, Account 3 beginning with XXXX, and Account 4 beginning with 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 2022-09-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged for services I didnt receive from a merchant XXXX XXXX XXXX I disputed the charge with the bank and the bank miss handled my dispute and denied my dispute. They did not put in the correct reason for my dispute. And to my knowledge, its not giving me a valid reason why they denied my dispute. XXXX XXXX XXXX charge me for weeks I did not have the car. They charge me {$560.00} one charge and {$320.00} another charge that I did not do. They charge me for weeks I did not have the car. ( instead of them making my dispute reason not receiving goods or services, they made my dispute reason charges appears more than once on my account, which is the wrong reason ).

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 2022-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Payed off mortgage XXXX. Bank still have lien on property yet making it impossible to release lien. Every time I call to check status I have new hoops to jump thru a new wall to climb. Their lack of cooperation almost seem nefarious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX around this time of 2021 I opened a checking and savings account with USAA, prior to me leaving for XXXX XXXX training on XX/XX/XXXX. I set up my direct deposit with my XXXX  shortly before leaving for XXXX. After I graduated on XX/XX/XXXX I realized my account wasnt accessible. I called the bank and revived the same answer multiple times saying that they no long want to do business with me. After months and months of them telling me the same thing the only thing new I learned was that my account is under review and they cant tell me why. The only physically bank is in Texas and I live on the XXXX XXXX. Its going to be a year since I havent been able to access the funds in the account that has nearly {$3000.00} in it. I asked then multiple times to close the account and send the money back to where it came from if they no longer wanted to do business with me and they refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen on XX/XX/XXXX and was used at many different places without my authorization. There is a total of {$2200.00} of fraudulent charges- at gas stations, grocery stores, and ATMs that were not made by myself. XXXX charges were of cash back at XXXX grocery stores- in a row. This is a Chase debit card and Chase refuses to investigate further. I have spoken to 3 supervisors in the fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: TX
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  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
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:
I checked my credit report XXXX of XXXX  and seen this credit card account listed as a charge off. The account is showing the creditor as XXXX XXXX and a status of charge off. I have sent in letters to each credit bureau asking for proof or validation that account belongs to me. I have not received any of the documents I have asked for. I have pictures of my certified receipts as well as one of the many letters I have sent in asking for validity of the account. I have no knowledge of this account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: DC
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  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have 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 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.

Company response to consumer: Closed with explanation