BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( XXXX XXXX XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy. 

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter in the mail from United Collection Bureau , Inc the letter stated they were trying to collect a debt that I owed to XXXX XXXX XXXX.I than contacted the company and spoke with an representative about the issue because I don't have a debt with XXXX XXXX he was being very argumentative so I hung up and called XXXX XXXX billing customer service and spoke to a representative and she stated that there was no debt sent to collection 's on there end for me as I knew. I than called the collection agency back and spoke with another person and I explained that I spoke with XXXX XXXX and they said they haven't sent any debt to this agency on me the representative was being argumentative so I asked to speak with a supervisor I noticed that they kept asking for my personal information I stated to the supervisor that I didn't have any debt and I spoke to XXXX XXXX customer service he than stated he must have the wrong person I questioned him on how did he get my personal information and I told him I was going to report this business for fraud he was trying to reason with me not to and I hung up all this happened on XX/XX/2023 @ around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: FL
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 reached out to you guys a while ago asking about those negative items After the investigation, the items were deleted. Unfortuately, the joy was short-lived. The items have returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I haven't received any of this, because of this, I am demanding you remove all information associated with these debts from my credit report instantly! If the information isn't removed from my credit report in 15 days I will be forced to start Litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB )

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 could not supply substantiation of alleged debt and closed accounts time has expired for their investigation

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 2022-10-07
Company: TIDEWATER FINANCE COMPANY, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/XXXX thru XX/XX/XXXX Tidewater Finance Company is reporting inaccurate information to credit reports ( XXXX XXXX and  XXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX attorney, at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The credit Collection Services companies has placed a derogatory account on all 3 major credit bureaus. Ive attempted to dispute the matter with the company but was denied. I discovered that CCS is NOT licensed in the state of Florida to collect a debt from anyone living within the state, which is a violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have recently submitted disputes about accounts that i have discovered on my report due to identity theft. some accounts are removed and some are not. On XXXX XXXX I submitted refusal to pay letters via the website due to the results coming back verified from the previous dispute I provided on XX/XX/2023 to this company and the creditors asking them to verify and validate this debt but I have not received a response from them. Now this company says that they can not block the information that I requested because they don't have my identity theft report, a copy of my ID, my name, social, address even though I have submitted this info several times over the course of this last year. I personally sent this information by certified mail.

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 2023-06-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow analysis from Fifth Third where I have my mortgage. I changed Insurance companies XX/XX/2023 and they paid both my old insurer and the new one. 
They are now asking me to have the old one pay them direct in a specific way. The old one is trying to send the check to me to deposit back into my escrow.

In the meantime, Fifth Third has sent me a increase in my payment of almost XXXX per month, knowing full well they don't actually have that big of a shortage b/c the check they paid to my old insurance company will be deposited back to them. 
They played this game last year as well with my escrow, which was overpaid. They quickly sent me a large check with my overpayment and still raised my payment. It was only XXXX per month, so I didn't pursue a complaint after speaking with them. 
This time it is intentional and unnecessary, b/c they have factored in the return of the funds they will be getting, which they paid out from the escrow account I have been paying into for the entire year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: TX
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 is the second time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing 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 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 2023-02-17
Company: CITIBANK, N.A.
State: CA
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:
Citibank closed my accounts unfairly and without providing a reasonable explanation. Moreover they went as far as closing every credit card that I had, effectively ending the relationship with me as a customer, including my business card for which I had recently signed up while being promised a credit card bonus, which they never honored. 

I understand that Citibank and any other credit card company has the right to choose its customers, but I've also taken a credit hit by applying for and accepting Citibank 's products. At the very least, I feel that they owed me a warning if I did anything that violated the cardholder agreement. The reason given to me for closing my accounts was that " the use of the cards was not consistent with other customers ''. I don't believe I violated the card holder agreement in anyway and don't feel that it was fair for them to close my accounts.

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 2023-06-04
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am being auto billed, {$21.00}, for checks I dont need. XXXX, PNC customer service rep, said the checks are shipped before the auto charge is made, so the order cant be canceled and I have to pay. He said I have been on auto ship for the last few years, something I never signed up for. If you check the records you will see I have never had checks auto shipped to me, I have always ordered them online for the free checks and shipping. Plus I still have about XXXX checks from the last manual order, and since I only write a couple/few checks a month, these will last me more than a year. I dont need more checks, I use online bill pay mostly. I received a text in XXXX about the checks and went online to cancel. When I found the section about auto order, the only option was to enroll, so I thought the text was a mistake. Turns out, you have to click on enroll to un-enroll/ cancel auto order. Now I am receiving checks I dont need, and am being charged for something that has always been free in the past. Their website is deceiving that you have to click on enroll to cancel an enrollment. I realize {$20.00} is not much, and for that reason I wasnt going to complain, but then I wondered how many other people are they doing this to. Plus for this charge, I only received a XXXX  of the checks I get when I order the free checks. 
You will see on the attachment what you have to click on to cancel auto bill/ship checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Made a purchase several months ago at Old Navy for {$55.00}. I received a bill after the due date last month. I payed {$230.00} the amount in full. This month I receive another bill after the due date with late charges of {$48.00}. Don't know if I can ever stop this company for sending me a bill after the due date and charging me late fees. The problem from this fraud is I purchase {$55.00} in goods and have paid total of XXXX dollars and still owe {$48.00}. Take the XXXX dollars and send my money back to me. The company is From XXXX  rewards XXXX. Perfect scam to take people 's money.

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 2023-02-13
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Sequium Asset Solutions, LLC
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:
I want to remove late payments on my credit report from my auto loan financed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2023-01-16
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity Bank starts calling me promptly at XXXX most days. I block a number and they use a different one. They call me an average of 7 or more times per day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Account ending with : XXXX Hello, I am writing to address a matter concerning a recent letter received from U.S. Bank. It states that XXXX XXXX, with whom I conducted business in the past, has filed a chargeback for a trade we completed between XXXX and XX/XX/2023. 

The payment in question was made through XXXX for specific reasons, and it is important to note that XXXX transactions are typically non-reversible. Despite this, U.S. Bank did not take the initiative to investigate the claim or make efforts to contact XXXX for further investigation. As a result, they deducted {$480.00} from my account, asserting that I should not have received this money, and subsequently closed my account on grounds of fraud. 

I possess all the necessary supporting documents for the trade carried out with XXXX XXXX. Furthermore, XXXX should be able to provide additional information such as IP addresses, phone login details, and other authentication measures that only a bank account holder would possess when making such payments. 

Despite numerous phone calls to the fraud department and several emails to my branch manager, I have had no success in resolving this matter. U.S. Bank has placed a hard hold on my account, withholding my funds and preventing me from conducting any banking activities. 

Thank you for your attention to this urgent issue. I kindly request your prompt assistance in rectifying this situation and ensuring the release of my funds. 

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 2023-06-04
Company: Block, Inc.
State: OK
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:
Cash app has three ledgers on its website that list account transactions. 
1. An activity log on the home page of the app. 
2. A monthly statement available at the end of each month that is accessible as follows : from the homepage of the app, select the profile icon at the top right hand side of the screen, scroll down and select documents, select statements, select account statements and select the month. 
3. A csv ledger ( on the cash app website ). Go to cash.app, select download transactions-file with all of your transactions. This pulls up an XXXX spreadsheet more detailed than the other two ledgers. 

There is a transaction in the csv ledger of my account that shows a purchase from XXXX on XX/XX/2023 for {$440.00}. I did not purchase anything from XXXX on this date, or any date, for this amount. I have chatted with customer service, emailed customer service managers and spoken with customer service on the phone, all on multiple occasions, everyday for the past six days. Each time, I tell them that this transaction does not look familiar to me and I would like it explained. They refuse to answer my question. In their most recent correspondence they stated that they could help me with anything else but were unable to provide additional support and will be closing your case. 
I will send a copy of the ledger that contains the transaction in question, and emails supporting my complaint. 
Thanks so much for your help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Re : Complaint # XXXX - Reason given that Complaint XXXX was closed by CFPB due to prior or similar complaints filed. This result is inaccurate. Ive never filed a complaint with CFPB or CHASE BANK. Clarification and or action needed.

Company response to consumer: Closed with explanation