BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
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: Investigation took more than 30 days

Complaint:
Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.

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 2023-10-17
Company: Upgrade, Inc.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have two credit cards with Upgrade. One had over {$11000.00} credit limit, lower it to {$7800.00}, and the other {$2500.00} card was lowered to {$1800.00}. I have NEVER MISSED a payment! NEVER!!!! They have dropped my limits on both cards to what I owe. 

Now I will accrue overage charges each month, when they add the interest, they will now get an overage charge each month since they lower limit to balance. I had stopped using it to pay it down and guess this is how they get top me. Now they show me at 100 % usage on both cards since they lower the limits today. 

This is a scam and this credit card company represents itself as a credit card company but then it shows up as loans. The minimum payments are outrageous compare to my many other credit cards. They are doing this to make more money and I don't think it is right to do consumers such as they have done. 

I have not had any of my other credit cards do this. There has been no changes to income, payments are ALWAYS on time and I had lots of available credit left until today. 

I hope they are investigated for bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX and XXXX credit report shows that Wells Fargo has reported my account as late in my payment history. According to my credit report my account status is 'charge off ' as of XX/XX/XXXX. XX/XX/XXXX According to Wells Fargo was my last Payment. I have not made a payment on this account since XX/XX/XXXX. This account is closed and Wells Fargo is reporting late payments. According to my credit report my account was closed XX/XX/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 2023-11-10
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2023 chime bank closed my account that i held with them for more tha 7 years abruptly with no explaination as to why they were closing my account. this has affected me greatly as now no banks are accepting to open accounts in my name. i have no issues whatsoever that can warrant this closure. 

i requested a reason as to why but they have not given me any answer at all. any communication with this has been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  opened up one account under my name totally fraudulently I sent proof to them that account doesn't belong to me. They were willing to remove it about 6 months ago and they did. Now a debt collector ( XXXX XXXX XXXX ) is trying to collect something I don't owe

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 2022-09-26
Company: Genesis FS Card Services, Inc.
State: KY
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:
Received a credit card bill for {$78.00}. 
I never applied for this card. I never received this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company LJ Ross and Associates attempted to collect the debt. 

Cost of debt was : {$3400.00} I have disputed this account before.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: GOLDMAN SACHS BANK USA
State: VA
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:
purchase an item using XXXX/Goldman Sachs XXXX XXXX XXXX XXXX XXXX returned because it was defective charges continue after several calls to XXXX XXXX and Goldman Sachs XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: MD
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 XXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he 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 wilhout my writen 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 explanation
Consumer complaint received 2023-05-13
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: Information belongs to someone else

Complaint:
FRAUDULENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT ARE NOT MINE THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED ANY GOODS OR SERVICES FOR THESE FRAUDULENT ACCOUNTS OR INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2022-09-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.

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 2015-06-20
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
All I am trying to do is get the completed modification paperwork that I requested over 3 weeks ago. I am trying to do a refinance and the underwriter is asking for the completed documentation of the modification we had 4 years ago. I have called and emailed them repeatedly and every time they tell me they will mail it to me or email the document to me and I still have n't received the paperwork. I am going to have to pay for an extension on my locked rate because this is all we are waiting for!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I send a dispute letters to XXXX and Transunion about an account named XXXX XXXX XXXX # XXXX asking to provide a contract with my signature on it that proves that Im doing business with them and they have failed to provide any documents. This two credit bureaus are violating my rights and laws as a consumer and they need to be hold accountable to the extent of the laws. Picture proof of the letters, affidavit of identity and proof of the letters been certified are going to be provided as an attachment. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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've send letters in with my ID and current bill with address to update Correct current personal information and to take off that identity theft statement that I didn't ask for. I've also sent letters about furnishing items on my credit report without my permission which in the FCRA 15 USC 1681 I have a right to privacy and 15 USC 6802 I have a right to OUT-OUT of my personal information shared to non-Affiliated 3rd party. All I received was debt validation which I didn't even ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2021, I initially requested debt validation from XXXX XXXX as well as asking XXXX, XXXX, and Equifax to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. XXXX, XXXX and Equifax responded stating the account was verified. I initiated this process again in XXXX and received the same information. XXXX then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX XXXX XXXX so as I requested again the due diligence is on the Reporting Agency to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought. 3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect. 4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact. I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Securus J Holdings, LLC
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Jpay was what I was forced to use everytime I went to XXXX  XXXX XXXX detention center since XXXX to present and it has been about 5 or 6 times. 

The company is always forcing g fees on me and stealing my money. They won't give me a y information on transactions etc. 

They force me to only go through them and then I'm at there mercy when I make purchases or when I get out they force all the money ey I have on there card. 

They have not been willing to give me my information on transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to close my savings account today with chase, amount appx {$7000.00}. I provided photo id, a chase credit card and showed I could access the chase app. They then tried to send a security code to a phone number not listed under my security contact numbers. They tried again and the same confirmation no came up as opposed to my default cell no. They did this repeatedly putting a restriction on my account. I called chase they could not do anything by phone. Branch manager also called but got nowhere. I need my money today to cover clean up after storm damage but they state their system allows no exceptions and they will not give me my money. At one point they told me to leave the bank, I responded not without my money and they could call the police if they wished. 
Chase is happy to take my money but not return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: PA
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 Inquiries : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX Inquiries : XXXX XXXX XXXXs, Inquiries : XXXX XXXX XXXX XXXX I, 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 an 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. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value your help in correcting a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XX/XX/2023 and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe Capital One anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. XXXX said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.

Company response to consumer: Closed with explanation