BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-05-17
Company: U.S. BANCORP
State: MN
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 in the hospital and my wallet was locked up with security. My Reliacard unemployment card through US Bank had two fraudulent bill pays. XX/XX/2021 for {$2000.00} payable to XXXX XXXX XXXX and XX/XX/2021 for {$1000.00} to the same person. No phone number listed for XXXX XXXX XXXX but an email was listed XXXX. It also shows the last four digits of his account as XXXX. I never used bill pay and never added this person as a payee. Total theft and fraud or bank mistake. I emailed it to see if it was a company but no response. I have contacted cardholder services many times and got many different answers. I still have not got my money back. Reliacard says the bill pay is a third party company called XXXX XXXX. They said they have no way to contact them. They can only submit an email to them and wait. No response from them and I have spoken to many supervisors. I need this money for my rent and bills. I have been dealing with this for so long. Ive sent them required faxes and they say they cant do anything else. I was told they cancelled the bill pay but that did not work. I also filed a complaint with the integrity department at the actual unemployment office. That did nothing.

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 monetary relief
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my 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 2023-07-03
Company: EQUIFAX, INC.
State: NY
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 U.S.code 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$260.00} XXXX {$950.00} XXXX XXXX {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment . 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions.

15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : Equifax- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid an apartment rental application fee of {$52.00} with XXXX XXXX Apartments in XXXX, XXXX. The apartment told me they have an apartment ready, Id just need to fill out the application and pay the {$50.00} fee. After filling out the application and paying the fee, they told me the apartment was no longer available and they rejected my application. I put a hold on my application fee through my bank until I was able to get a hold of the XXXX that same day to understand why the apartment was no longer available. Once I spoke with them, I released the hold from my bank the same day and they received their money of {$52.00}. This left my balance at {$0.00} with XXXX and I did not rent with them. 
XXXX sold my debt to a collection agency after it was fully paid off on XX/XX/XXXX. Basically, they got paid on it twice but sold it as a debt of {$120.00}. They claimed the bank charged them a {$75.00} fee for the dispute that was resolved in the same day. They did not provide any proof of the chargeback amount they allegedly received from their bank. 

I went to the apartment and they gave me a print out of my statement showing a balance of a {$0.00} as of XX/XX/XXXX. 

In conclusion, I paid the {$52.00} application fee and the XXXX at XXXX provided me evidence of a {$0.00} balance. However, they are telling the collection agencies and the credit bureaus otherwise. I have provided copies of my bank statement and copies of the statement from XXXX but nothing is being resolved. 
I am feeling desperate to get some help on this issue as this is effecting my credit and my rental ability. I have fully paid off my debt before it was ever with the collection agency. This is becoming really frustrating and it feels like I am not getting anywhere with anyone, especially XXXX XXXX Apartments. Ive reached out and stopped by to try and correct this issue. They refer me to contact by phone. Ive left messages and called numerous times to no avail. 
Please let me know if I can provide any additional evidence to resolve this in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX 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 2023-03-29
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX  that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXX XXXX  after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone

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 2023-07-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am owner of citigold XXXX XXXX account that I closed XX/XX/XXXX but it is linked to an email XXXX that I can not login as I sparingly used it I did not get my personal wealth in XXXX using XXXX account now both are closed mother died all domains I operated with strange registrants and me having no income I called Citibank XXXX fone repeatedly they want me to verify my email and claims they can not reactivate XXXX using other means my email in XXXX is still active but I am not in payroll for XXXX after XX/XX/XXXX. I investigated and found some criminal has created XXXX account using my email XXXX and I am extremely worried as I know XXXX is occupying old XXXX  campus and XXXX I'd shown as purchased by XXXX Please help me to login to XXXX and find out what had happened and reclaim. 
Yesterday I have clear evidence of a new XXXX account XXXX that was linked to XXXX acct XXXX being removed now I can not link to that account I created a Citibank XXXX account that is linked to XXXX but that email is not mine now and could be misused.

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 2021-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Collection Agency Used unfair collection practices in violation of the fair credit protection act by trying to make me pay more after their third party representation know as XXXX XXXX XXXX, XXXX. in the state of Georgia settled in full the case for a one full settlement payment of {$460.00} with a settlement letter sent to me. Later Portfolio reported a balance of {$150.00} on my credit report and did not report my account paid and settle to close the collection account. I am being defrauded here and this is unfair collection practices. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: LEXISNEXIS
State: MN
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 would like for you to please send me all relevant documents that was used with XXXX XXXX and XXXX when you claim and or took it upon yourself to notify and or what I believe you personal are using their reports! Illegally! What I will need from you is a copy of my dispute asking you to contact XXXX XXXX XXXX on my behalf to initiate any disputes with any of the XXXX? They dont even show what was specifically asked of you to dispute like your credit report so explain to me as to why you would even notify them! Lexisnexis I use the CFPB for specific reason and every single dispute or complaint has been uploaded here so I know you are doing false credit reporting and Im tired of the runaround with your illegal and violations!! 
Under Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate.show me the facts I want to see that you actually did a reasonable investigation this mean go to the sources ask questions get and prove physical verification! I want you to show me! I shouldnt have send you information and you turn around and sell my information thats not completely verifiable and accurate! No sir XXXX XXXX! If you want to keep reporting that for the next 10 years you are going to have to show me you your hard work and effort in order to keep reporting this!!! Show the fact please and I will leave you alone!! But until you do we will go to XXXX and back if you think Im going to back down!! 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Orion Portfolio Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company contacted another company to collect a debt. 

The debt was never owed ; I contacted the " original '' creditor. They never submitted this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX XXXX XXXX retroactively capitalized the interest on my loan two years in the past, and added fees and interest for the last two years in XX/XX/2018, saying that they accidentally forgot to do it two years ago. I am in the REPAYE program, so for the last two years, the federal government paid a portion of the interest for the last two years. Because they waited so long to do capitalize the interest, they added hundreds or possibly thousands of dollars to my loan that would have been paid by the government. They are required to give me at least thirty days notice before capitalizing the interest under the federal regulations governing student loans. I never received that notice, either at the time or now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Receivables Management Partners, LLC
State: NC
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 have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$97.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Mother passed away on XX/XX/XXXX. She had a reverse mortgage of XXXX on a house that is worth less now. Original documents show the appraisal at XXXX back in XXXX. Wells Fargo gave her a loan that used all the equity of the house. That loan went from Wells Fargo to XXXX to, supposedly, FHA or HUD. Now, the heirs must pay the loan back. Biggest questions : why was appraisal so high, was she counseled, was the appraiser an FHA appraiser.

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 2023-08-14
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am just sending in this notification to let you know that I have notified CashNetUSA with all of the necessary documentation to stop taking ACH payments from my account. So as of TODAY AT THIS TIME THEY HAVE FORMALLY BEEN NOTIFIED VIA EMAIL. I WILL ALSO BE SENDING THEM A LETTER VIA XXXX MAIL THAT I WILL PERSONALLY SIGN. IF THERE ARE ANY OTHER ACH PAYMENTS TAKEN FOR MY ACCOUNT I WILL CERTAINLY BE IN TOUCH WITH YOUR AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My issue is with Chase XXXX Bank credit card. I reached out to CFPB regarding a settlement but Chase refused because the debt wasn't at the six month mark. Instead they chose to report negatively to all credit bureau 's lowering my score. Knowing that I was unemployed and in a difficult financial situation. 

I received a letter from XXXX on XX/XX/XXXX, regarding a letter serving effective on XX/XX/XXXX. From XXXX XXXX XXXX stating that they have placed my account with XXXX XXXX XXXX, XXXX. for servicing. And their records show that my account has an outstanding balance not yet resolved for {$1200.00}. And if I do not resolve my account before the end of the prelegal track. It may be forwarded to an attorney to review for a possible lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
Husband is an authorized user on my Chase credit card. He went to the carwash, left his card there accidentally, and seems as it was picked up by someone unscrupulous, who then went on a shopping spree on XX/XX/XXXX of {$1100.00} at various places ( none of which he or I have ever stepped foot into, and are not in the town than we live in ). I reported this to Chase on XX/XX/XXXX as soon as I noticed these strange transactions ( some I wouldn't have normally noticed, like XXXX XXXX or XXXX XXXX, because we do shop there, but they were clustered with charges with places I'd never heard of, like " XXXX XXXX XXXX '' ). Chase has investigated the claim and determined that I " benefited from this transaction '' but has not provided any information on how they have reached this conclusion. I pay all of my bills on time, every month, and honestly spend a lot more than {$1000.00} on my Chase cards ( oldest of which is XXXX XXXX XXXX ) every month with no issue. I am not sure how I would go about proving that it wasn't us ( I doubt any of these stores still have video footage over a month later, and I didn't expect Chase to deny the claim ), but at the very least I would expect that this is a violation of the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief