BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I pay all the monthly fees without being late. Last week my card didn't go through and when I call the agent said my card was closed. I asked the reason but she said that no additional information is on my file. When a credit card closed a credit card, my credit score will be affected. Since I am paying the monthly fees and the USA and the whole economy are going through an unprecedented times this practice is not correct for consumers. Credit cards have a social responsibility and start closing accounts and put customers in more difficult situations is not correct. 
My card didn't have any pending payments. I made the payments on time

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 2015-10-28
Company: Lazarus Financial Group, Inc.(Closed)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have written and written this firm many many times with no response. they are reporting on my credit report and will not send me any information about the debt they are reporting. This firm keeps verifying with the credit bureaus without having validated it with me which is a violation of the law. They just ignore consumer mail i guess. this is causing me financial hardship and the continued reporting of an unvalidated unverifiable debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and these accounts by law must be removed from my credit profile.

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 2021-02-19
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle from XXXX XXXX  XXXX XXXX in XXXX. The initial loan was XXXX for XXXX XXXX XXXX. I have paid bi weekly for the last 4 years and went to ask what the pay off would be. Bridgecrest ( who provides the loans for XXXX XXXX ) informed me today that my payoff was XXXX Even though I have paid almost XXXX on the principle loan ... I was also informed by Bridgecrest that I had a loan for XXXX which I was not informed of until today. 
So far I have paid XXXX on a loan for XXXX and I still ( according to Bridgecrest ) owe XXXX more to pay off a vehicle that. Making the total XXXX for this car. which I never agreed to. The salesman at XXXX  changed the contract from the time I agreed to the details and when I signed the contract. He rushed through the paperwork and told me it was the same that we discussed earlier while it was still on his computer. So I didn't need to worry and I could trust him. The contract that I agreed to was for XXXX with interest. APR 20.14 % Now according to Bridgecrest even if I pay off the XXXX that is left on the principle I have to pay and additional XXXX for interest that has not accrued. I tried to fight this before and gave up because their tactics are very shady and intimidating. I am a XXXX year old man that needed a vehicle to go to and from work. XXXX XXXX with the assistance of Bridgecrest have basically stolen thousands of dollars from me and are trying to make me pay XXXX more because I am trying to pay off the loan. Please help me!

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I would like to have the following inquiry accounts removed from my credit report. 

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 2021-10-28
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:
Why you put this negative information on my account? I didnt apply for any of these accounts. I think someone used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Home Loan purchased or was servicing the loan from the prior company never notified all interested parties as I am on the note and deed but not on the Mortgage. I have been trying to save the home as I purchased the properties with a partner which is the primary person on the documents. 
I have received recently information regarding foreclosure which I was never notified of the initial delinquency or intent to foreclose and nothing regarding a lender placed insurance policy placed on the home. I requested copies of original signatures on the documents signed at closing ie Note, Deed etc. To date they mentioned since Im not the initial person on the loan they can not speak to me but they have initiated me in the foreclosure process. I would like to modify these loans as they are upside down the amounts owed currently and the values and underwater. No one from this Mortgage company ( which the original company XXXX ) has contacted me directly via phone other than initiated a foreclosure process.. 
Please look into this company and its current dealings as I am in the dark about the documents requested.

Company response to consumer: Closed
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXXXXXX 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 In accordance with the Fair Credit Reporting act XXXX 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 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

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 2016-11-24
Company: Carter-Young, Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i have multiple fraud accounts on here I would like to see proof of every single piece of information that can prove that they have the correct person. I will file a police report if no actions have been taken. Every single creditor and business bureau that has collections out on me. I want to see the proof And there are lots off closed accounts that have been paid and never got taken off of here as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
XXXX DID IT AGAIN, IT MUST BE FROM CORONA? THEY MISS REPORTED BALANCE OWED TO ALL BUREAUS FROM {$4.00}, XXXX TO {$43.00}, XXXX ON XX/XX/2020. THIS WAS DONE ON PURPOSE. THIS ACCBA.OUNT IS HEREBY DISPUTED UNDER THE FCBA OR F

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: WA
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:
XXXX Equifax XXXX still in violations seeking damages as Im entitled by law due to theirs negligence. Information is in correct I have recordings from conversations childs support is not a loan the federal courts ruled this I sent them a statement as well as police report they have not blocked information I asked I asked for validation full account documentation records who they spoke to day time rep name and id who they got information from I only go by one name they wont remove other names as in a recording I have they said removed they since my complaint have not complied with all laws and request and keep damaging my credit they are being negligent to the law and request I have made and mailed letters upload documents sent the ftc reports and police reports but yet they are not worried about fixing there wrongs I have found over 80 violations on my credit report I have been denied even wrongly charged high interest rates because of the negligence and concern to fix this I have done everything required now they dont wan na comply I will be seeking damages and making sure the law is up held if I go into a store to steal I go to jail or break the law I dont get a chanche to correct this I can see if there where only a few people affected by this but its millions and its time the law hold them accountable as Im not above the law neither are they but get many opportunities to fix laws they break and still not comply I seek damages under 15 usc 16810 civil liability for negligent non compliance section a,1. Any actual damages sustained by the consumer as a result of the failure of. B. Attorney fees if we have to settle this in court. As the law states any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years, or both I have held my end of my part up everything they asked I have a XXXX this getting me denied when Im applying in good faith especially when Im prequalified. Then other creditors advertise action notice show different score then they show I dont have any more energy I spent XXXXwo months doing my part and they are not complying with law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: JPMORGAN CHASE & CO.
State: MD
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:
Subject : Disputing Information in Credit Report XXXX I am writing about the inaccurate info Chase AUTO had provided to Credit Reporting bureau ( XXXX -attached ). 
I have set up AUTO monthly Payment of {$350.00} since XXXX until XX/XX/XXXX ( the maturity date ), debited timely end of month ( under MD law. ). 

Unbeknownst to me there was an outstanding balance of about {$59.00}. I was NOT notified until I received an alert from my ( XXXX  ) bank about a delinquent Chase acct on XX/XX/XXXX, which Id paid off. The DELINGUENT late payment caused my credit score to DECREASE by at least XXXX points ( attached ). 
XXXX ) Since then, I had spoken with many CHASE associates and supervisors to help clear up this erroneous reporting, none were helpful or showed any initiative except the standard responses ( XXXX XXXX XXXX, XXXX XXXX XXXX Executive office etc ). 
XXXX ) They also told me some letters were sent out which I didnt received, as I had selected PAPERLESS a long time ago. 
XXXX ) In fact, I was able to download a letter ( dated XX/XX/XXXX ) on XX/XX/XXXX ( ATTACHED ), which stated we would like to help you find a solution. 
XXXX ) I have contacted CREDIT BUREAS to help but they kept referring back to CHASE. So that was futile result. 
XXXX ) Please help me remove the erroneous CREDIT BUREAU reporting for the following reasons : A ) I was never late on payment since XXXX ( thats 7 yrs ) B ) Since I have selected PAPERLESS with Chase years ago, I never received any correspondence until AFTER the delinquent reporting. Id noticed in XXXX this year, my PAPERLESS feature was ( fraudulently ) not selected on CHASE website. Chase turned off that feature, Not me. 
C ) Based on the Chase website calculation, if there was an outstanding balance of {$59.00}, if that amount was later adjusted as additional fees/interest, AFTER my AUTO-PAYMENT set up. Currently, XXXX balance. Then it should not be considered a late payment. 
D ) It was explained to me that the {$59.00} was additional fees/interests ( after my maturity date ) when I made the XX/XX/XXXX payment. 
XXXX ) The very least, I should have received a courtesy call after being a loyal customer of 7yrs, even if Chase neglected to notify me electronically ( NO alerts from Chase XXXX I have always received a courtesy call ( except this ) in past years. 
XXXX ) I'm a military XXXX XXXX and I take my financial obligation seriously. Chase Reckless reporting ruined my credit score, by at least XXXX. 

Please review this serious matter as I have been a longtime loyal CHASE customer and right this injustice. 

thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2020-11-30
Company: EQUIFAX, INC.
State: NJ
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:
XXXX  and equifax has a Chapter XXXX bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accurate. I would like to exercise my rights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... On XX/XX/XXXX XXXX send me a email stating that it was verified and the item remains unchanged fr4om there processing of XXXX XXXX dispute I respectfully ask that you investigate they actions and have them to contact XXXX and show proof that they contacted XXXX instead of them doing there own internal investigation without contacting XXXX. I submitted a new reinvestigation on XX/XX/XXXX with XXXX. Its been over 30 days and i have yet to receive a responds from equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2020-04-03
Company: Square Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I ordered a product and opted in for biweekly payments to be debited from my cashapp card, the company did not provide the product that I paid for and I would like my 2 payments that was taken off my card returned, I have tried to contact cashapp but there is no proper channel to resolve the issue, the company named XXXX took ( 2 ) {$67.00} payments from my card and they refuse to provide the product or refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have my credit frozen with all three credit rating organizations. I put in the wrong password in with Experian and now my account is not only frozen, it is also locked. I am unable to get the information I need or speak with someone at Experian to get this situation resolved.

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 2022-09-12
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
False and misleading credit repair tactics, See video : XXXX XXXX XXXX XXXX Been a client for XXXX months. Paid the fees with no positive results. I was mislead by their sales dept on false information on how they will remove negative items on my credit report. I have made multiple attempts to reach customer service. They refuse to answer the phone and never call back.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient contacted me on one occasion and when I answered the phone, they asked for " XXXX XXXX. '' When I said they had they wrong no., the individual said you do n't know XXXX XXXX at which time I hung up. They have also left voicemail messages for someone ( who they named ) who does n't live with me, saying they are calling with reference to their student loan and want to discuss ways to lower their current monthly payments. They left return phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief