BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-24
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I ordered a cake in person from XXXX XXXX, in XXXX, XXXX, XXXX I sent an email at the time of purchase, as per the clerk 's request. I paid for the cake, and even gave a " tip. '' I felt confident as per the " Excellent '' reviews, and " reputation, '' of this Bakery. ( I am new to XXXX ) and did not have much experience to go on, only the reviews on XXXX, and XXXX. I was wrong. When I picked up the cake on XX/XX/2023, I noticed straight away, it was sitting on the shelf behind the counter. In a box WITH NO LID. I was handed the cake and had to struggle to open the door with no help from the clerk. TWO RED FLAGS ALREADY. I took the cake to my granddaughter for her XXXX Birthday as her present. This was what she wanted for her birthday. A " Popsicle Cake, with white batter, white icing, with popsicles on the cake. '' When the guests arrived, and after she opened her gifts, etc., it was time to sing XXXX XXXX and have cake and ice cream. When the cake was sliced, it was NOT white, It was YELLOW batter. Then when we tasted it, it was DRY and WAS NOT HOMEMADE as advertised. I reached out to the owner, XXXX XXXX. NO RESPONSE. I reached out to her several times. I then advised XXXX XXXX, due to her not responding to my emails, and phone calls, I would contact my bank and look into filing a dispute. She then responded ( how ironic ). Chase errored in that it only disputed for {$77.00}. I wanted a full refund of {$170.00}. In the end Chase sided with XXXX XXXX. I believe this is unlawful, and XXXX XXXX was deceptive and dishonest. My cake was ordered person, with a photograph. The cake was not hard to make. I could have baked it myself, and in the future will do so. This is a " professional '' bakery, and I am at a loss as to why this cake was not done properly. The money I paid for this cake was more than my monthly utilities. XXXX XXXX has no regard for her customers and has other restaurants and bakeries she owns. This money is nothing to her, and she could have refunded me, but chose not to do so, out of spite for the fact that I filed a dispute. Chase has become apathetic towards its customers ; due to a downfall it has suffered. That is not ethical to take out its financial woes on its customers. More Corporate greed. That will be the downfall of the XXXX XXXX. I will see to it that these two aforementioned Companies will repay me with the monies owed, along with punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I spent over {$350.00} to Lexington Law, they claimed they would repair my credit. They sent letters however they failed to deliver what the promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance XXXX XXXX Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX I sent an letter asking Equifax, to delete the fraudulent credit card information regarding XXXX XXXX XXXX  Card Services showing {$5600.00} Equifax never did an investigation into the fraudulent information. 
Equifax never deleted the fraudulent information. 
Equifax kept reporting the fraudulent information on my credit report XX/XX/XXXX Equifax is stating the account is charged off and closed. 
The fraudulent information is still showing on my credit report. 

XX/XX/XXXX Received a settlement from the settlement XXXX involving the class action settlement in XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX California Court Case No. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Chase Debit Card was lost/stolen and someone used my Chase Debit Card and made unauthorized charges and transactions of {$8000.00} from XX/XX/2021 to XX/XX/2021. The charges that was made from XX/XX/2021 to XX/XX/2021 are all unauthorized charges. I reported the unauthorized charges to Chase Bank, but they still holding me liable for the unauthorized transactions. Under the Federal Electronic Fund Transfer Act ( EFTA ), my liability for unauthorized charges are {$0.00}. Chase Bank is holding me responsible and liable for unauthorized charges which is a violation of the Federal Electronic Fund Transfer Act. The unauthorized transactions are not my transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NY
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:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.

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 2018-05-24
Company: BB&T CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I recieved an electronic alert from BB & T bank that my account was XXXX dollars overdrawn. This being a weekend and the bank is closed and I am a XXXX XXXX Veteran with a XXXX XXXX XXXX awaiting XXXX ; I have a XXXX XXXX. Therefore, I transferred money to my checking account from XXXX on XX/XX/XXXX at XXXX XXXX. The electronic transfer deposit was for XXXX dollars. I received a complete transaction ID # XXXX. According to BB & T representative XXXX XXXX ; stated the following : " The bank received the deposit on XX/XX/XXXX, with a directive from XXXX that the deposit is not to be processed until XX/XX/XXXX. Upon contacting XXXX it was stated to me by their representative, that they are a third party transfer of funds and they do not send a directive on date of deposit. It was stated that the deposit was accepted by BB & T on XX/XX/XXXX. I then, went further and called the Federal Reserve Banking to ask if they put on directives on money transfers from third parties. They stated ; they do not. Therefore, BB & T intentionally on Monday night debits bank accounts first ; then post credits after to cause their customers to acquire an overdraft fee of XXXX dollars to draw up revenue to their bank. This needs to be investigated as soon as possible. Also, they have adopted a bank regulation that a customer can only have one overdraft fee reversed within a 24 month period. This is completely outrageous and they have threaten to close my account if it is not kept up to a certain standard if I file this complaint.

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 2022-11-02
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 XXXX, XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive tried to get my three credit reports from annualcreditreport.com but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - Experian mailed a credit report print out - XXXX mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - XXXX never sent a credit report

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
A XXXX  XXXX account was opened due to Fraudulent activity I was never aware of this account and reported XXXX soon as I found out about it due to checking my credit score on XXXX XXXX for the first time in well over 7 years. TransUnion keeps adding this account after they take it off XXXX processed it smoothly but transunion keeps messing with my credit and I dont know what to do!

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 2023-12-19
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Creditor supposedly owns debt in consumers name. Consumer debt Velocity Recoveries a debt Verification letter via USPS certified mail with return receipt which was received by velocity on XX/XX/XXXX at XXXX at address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX See attachment, company has not yet verified debt per FDCPA per consumer request. 

Consumer received email from supposed representative of Velocity Recovery by the name of XXXX XXXX XXXX XXXX on XX/XX/XXXX also see attached email. 

Velocity Recovery is in violation of FDCPA by still attempting to collect on a dispute debt that has yet to be validated.

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 2023-03-20
Company: EQUIFAX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above referenced accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Orion Portfolio Services, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint Details : This complaint is in reference to a debt that is more than 7 years old and was written off in XX/XX/XXXX. I contacted XXXX ( company that handles credit reporting for Orion ) back in XX/XX/XXXX and spoke with XXXX and had an issue with her not being able to advise the history of this debt. How can you collect a debt only using the final bill with no billing history? Since then, I contacted the XXXX and the FTC regarding fair debt collection practices as XXXX could only advise the debt was valid, but could not advise how? In correspondence with the FTC, representation from XXXX advised the debt was charged off in XX/XX/XXXX ; meaning it should only remain on my credit report for ( 7 ) years with no money due. I called XXXX on XX/XX/XXXX and spoke with XXXX and XXXX and it was advised that the debt was written off. I called XXXX and spoke with XXXX, escalated the call to XXXX ( her manager ) and they all kept me on hold for over 45 mins with no resolution and much argument. I called back and spoke with XXXX and was advised of my account number. None of the reps could provide me with the history of the account, but I paid it as I'm in the process of purchasing a home and this has negatively impacted my credit report. This account has not appeared on my credit report since XX/XX/XXXX and only two bureaus are reporting this debt. This is against my rights as a consumer to report a debt that is more than 7 years old and I plan to escalate this as no rep could provide me with the history of the debt and only mailed me a statement of the bill with NO explanation of charges ; see attached. When I last had a home phone, this account had credits applied and there was a ( XXXX ) balance. Shouldn't the purchaser of the debt furnish the history along with the bill as part of the debt collection practice. Although I paid this, I am seeking an explanation of charges and for this to be removed entirely from my credit report effective immediately!!!! How can you ask for money and not know how the balance came to be so??? All I received was a bill from XXXX ( attached ) with NO explanation for account # XXXX. No one could provide me with the accuracy of the amount due and kept making false statement regarding the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few months ago I received a letter stating that I would no longer be receiving statements by mail and that everything would need to be online. I called XXXX to ask why I got the letter and that I wanted to get my statement by mail and they told me that I would be charged an administrative fee. I asked that they send me that in a letter. I never got the letter, and when I got online to check my statement and called them again to see why I wouldn't be receiving my statement by mail, I was told again that it was a charge to get a paper statement. I can't find anything online, nor did I agree to this. Now I have received 2 payoff quotes within a months time and they are charging me {$60.00} for those. I never asked for a payoff quote, and have contacted them 3 times and every time I call them they either disconnect me, or I can not understand a word they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My complaint is with XXXX XXXX XXXX/Comenity Bank, account ending in XXXX. On XX/XX/21, I paid the credit card account in full. I was then charged the residual interest of {$5.00}, I not realizing there was still a charge on my account, I failed to make the payment and then charged a late fee of {$5.00} plus a late fee of {$2.00}, total of {$12.00}. I contacted the bank to ask for a courtesy adjustment and was told due to the account being closed ( at their request because XXXX stores closed ) they could not issue a courtesy adjustment and recommended I pay the {$12.00} balance. I asked where in the credit card terms and conditions did it state no adjustments could be made when the account was closed. I was advised to access a website other than the general website where I would usually log in to pay my account each month. I asked where on the website could I locate the credit card agreement terms and conditions and was told it was not on the Comenity website and again given a totally different website to access and review the terms and conditions. I asked how would I know to go read these terms on a totally different website and was not given an answer. I asked where could I locate my question about no courtesy adjustments when an account is closed and did not get an answer.

Company response to consumer: Closed with explanation