BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: TD BANK US HOLDING COMPANY
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: T.S. Holdings
State: AR
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call about a rental property that I stayed at, and they stated that I owed, and I have proof that I didn't owe anything. I was letting customer service know. He got on the phone and said you owe the debt, and you are going to pay it, and he hung up on me before I could get any info. I was trying to let him know I have emails and videos of me dropping my key off and speaking to the landlord about being in the hospital with COVID/pneumonia and that I couldn't afford it because I was sick and needed to be taken care of the Landlord knew this and said it was fine just drop off the key and I did precisely that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'M A VICTIM OF IDENTITY THEFT AND SUBMITTED MY PAPERWORK TO THE CREDIT BUREAUS. THERE WERE TWO COLLECTION ACCOUNTS WITH THE SAME COMPANY THAT SHOULD HAVE BEEN REMOVED BUT ARE STILL SHOWING AND THIS IS HOLDING UP THE PROCESS OF ME BUYING MY HOUSE. THESE ARE THE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00}, CXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$2400.00}

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 2022-04-06
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 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 my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

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 explanation
Consumer complaint received 2023-11-13
Company: Klarna AB
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I attempted to make a purchase on XXXX website. It was advertised specifically, " Klarna : split your purchase into XXXX interest free payments. '' I did this and upon checkout was not given this option but other longer options with interest. So an account was created for me with Klarna. This seems to be a bait and switch scam. I have been injured by this as my credit score dropped as a direct result from opening this account. I realize that can happen when opening a new line of credit but I was tricked into opening an account that I was not allowed to use as advertised. I have contacted both XXXX and Klarna about this issue multiple times about this issue and they each keep referring me to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was connected with what I was told was a reputable way to help consolidate and start repayments on my student loans. There was a {$790.00} start-up fee ( first red flag I was too XXXX to see ) as well as {$39.00} deducted every month on the 16th going to what I was told was my student loans directly. This happened from XX/XX/XXXX to XX/XX/XXXX for a total of {$990.00} overall being taken from me by this company, before I finally caught on to this entire thing being a scam. The money was going directly to " XXXXXXXX XXXX '' aka " XXXX '', and not to my loans at all like I was told it was. They blatantly mislead me, and many others. Please see their XXXX XXXX XXXX page : https : XXXX. My account with " XXXX '' was thankfully cancelled as of XX/XX/XXXX. I sent their customer service an email that day requesting a refund, which I did not get. After speaking with XXXX XXXX and with XXXX XXXX XXXX, it looks like they physically lied on some of my paperwork, saying I had multiple dependents for some reason. To be clear, I did not approve of this, but my bank states that this is technically not correct since I signed paperwork ( thus my report here ) allowing the withdrawals to occur monthly. The fact is, I was verbally lied to and verbally misled by " XXXX '' ( of course this was over the phone, so no XXXX XXXX ). I intended to approve what I was told over the phone : that my monthly payments would be going towards my loans directly, which I came to find out that they were absolutely not. The wording on their documents is clearly incorrect, since I was told something entirely different by their employees when initially speaking over the phone. I never would've proceeded with things had I known what was really going to happen with my money. Their representatives told me over the phone that any payments coming from my account were going directly to my student loans... not to their company for the " recertification process '' on my account in reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2023-03-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for multiple chase bank credit cards and I was denied for all of them. The reasons I was denied were all reasons considered to be discrimination under the federal law. I also cant be denied an extension of my own credit. I tried to make things right with chase bank by sending them a hand written letter notifying them of there many violations against I, the consumer and natural person. I have yet to receive a mailed response ( requested by me ) to my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
EastWest Bank XXXX, CA Branch XXXX XXXX XXXX XXXX  CA XXXX On XX/XX/, and unknow suspect hacked my account via online banking. They made 3 separate wire transfers via online. When I saw the wire transfers via my banking APP, I immediately contacted the bank. 

The bank attempted to reverser the wire transactions but were unsuccessful. 

One transaction was returned from the receiving bank. the other two transactions had no funds to recover from. The total loss was {$33000.00}. The bank did not return the money and refused to acknowledge their responsibility under the ACT. 

The bank 's response was to shift responsibility to the receiving bank. 

They also delayed responding to me after numerous requests. They however finally responded when I mentioned interest was owed due to the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my account with XXXX XXXX and returned all equipment I had received from them. I received a closing statement showing nothing was owed. 
At a later date, I received a bill for {$420.00} for equipment not returned. As I stated, I had ALL equipment that had been in my possession, so did not and do not owe XXXX anything. I did not pay them. They had a debt collector contact me via email. I furnished information to the first debt collector, who investigated the issue. THE FIRST DEBT COLLECTOR CLOSED THE CASE SINCE I DID NOT OWE THEM MONEY. 

THIS FALSE ACCUSATION HAS AFFECTED MY CREDIT RATING, WASTED MY TIME, AND CAUSED ME UNDUE XXXX. PLEASE REMOVE ANY DEROGATORY REMARKS ON MY CREDIT AND CEASE AND DESIST THIS UNWARRANTED ACTIVITY.

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 2018-12-17
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:
im am writing in regards to equifax reporting inaccurate information on my credit report. i have no acknowledge of the chase account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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: Investigation took more than 30 days

Complaint:
I submitted a dispute with Experian regarding an old XXXX acct that reported late back in XX/XX/XXXX.. In XX/XX/XXXX and told them that a XXXX supervisor stated that this acct would be deleted after 3 years from date of late as agreed, this acct has already been removed from both equifax and transunion however Experian still has this acct on my credit report.please delete XXXX  acct as agreed since its been well past 30 days..

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 2021-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ordered products on XX/XX/XXXX Don't need the products anymore so I asked someone to Return the product for me Got an error returning the products that's why I asked them to give me a new return label The first week of XXXX - Got 4 new return labels Packed the product individually and return them by dropping them in XXXX XXXX Office on XX/XX/XXXX, before Lunch Packages were tagged delivered on XX/XX/XXXX - Received and Signed Got an Email on XX/XX/XXXX, about packages not containing the right products Called and contacted them about making sure and how would that happen for all 4 products Keep telling me they will investigate but still getting the same response about the package not containing the right products and will not issue a refund Been messaging them for more than 2 months Tried to dispute it in my bank but got reversed because the merchant told them they delivered the products.

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 2023-11-12
Company: Capstone Credit & Collection, LLC.
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Denied rental application XXXX XXXX XXXX  in Missouri due to a collections on an alleged account for {$1900.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX Capstone credit collections verified when i tried to dispute. I called Capstone and was told the originator was XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX was listed as co-occupant from XXXX I called apartment XXXX XXXX  XXXX XXXX XXXX spoke with someone stated " no would not know that cause we did not take over until XXXX, but yes we do. I immediately placed fraud alert on my report. Filed ID theft report. Filed local police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: CA
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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and XXXX XXXX XXXX. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2023-11-12
Company: Experian Information Solutions Inc.
State: NY
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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX, reported XX/XX/2020 XX/XX/2020 XX/XX/2020 as late payments after they told me my act would be protected from being reported late during that time period due to the coronavirus pandemic and me losing my job due to the pandemic

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 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a notification on XX/XX/2018 from Transunion & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.

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 2018-05-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 a collection account was placed on my credit reports ( XXXX and XXXX  ) for a XXXX XXXX c/o Resurgent Captial Services XXXX XXXX XXXX XXXX, SC XXXX for {$6500.00}. I have not received any written notification about this debt to verify it or any written notification of right to dispute this debt. I have sent letters to both credit bureaus and a certified letter to XXXX XXXX c/o Resurgent Capital Services requesting validation of debt. I have not received any response. I have tried contacting XXXX XXXX about this debt directly but they have gone into bankruptcy and are no longer in business. I have attached copies of the letters and information I have collected. I have attached copies of numbers and addresses for XXXX XXXX I have used to contract them via the Texas Secretary of State licensing website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CCS Financial Services, Inc.
State: CA
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: SC
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 Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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