BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
OnXX/XX/2019 I settled a XXXX XXXX XXXX XXXX account with XXXX XXXX XXXX and they sent a letter that the debt was paid in full and removed it from my credit reports. On XX/XX/2019 I had alerts from XXXX stating an account was added to my credit reports from Diversified consultants for the same XXXX XXXX XXXX XXXX account that was paid and DCI claims they had the account since XX/XX/19 and they never informed me with a letter, phone call or anything. On XX/XX/19I called and spoke with XXXX XXXX and she informed me that they did not have to inform me that they had an account in their office and they were within legal right to report this account to the credit bureaus without any notice to me. I submitted proof of the paid account via email to DCI following my phone conversation on XX/XX/19 and they received it onXX/XX/19. I spoke with XXXX XXXX again onXX/XX/19 and she stated that the dispute was opened on XX/XX/19 and that it will take 7-10 business days for an update and or removal. I called back again today XX/XX/19 and spoke with XXXX XXXX who stated there aren't any updates and that it is going to take up to 45 days for any response from XXXX XXXX XXXX. When I did not accept that answer he became nasty and I asked to speak with a supervisor he transferred me to the voicemail of XXXX XXXX, which I left a message explaining that I am filing this complaint and that I am also requesting a callback within 24 hours. I have had nothing but issues with this company and they are always reporting illegal and unverified accounts to my credit report and this is getting out of control. I was in the process of purchasing a home and this knocked me out of financing and I am considering filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: FL
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:
On the afternoon of XX/XX/2023, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail XXXX while something more sinister is happening behind the scenes. Later in the evening I received a text alert from CHASE asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( 18 ) unauthorized transactions to XXXX. I immediately called CHASE and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. CHASE assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called CHASE on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, XXXX. CHASE said that I needed to contact XXXX and seek a resolution about getting my funds returned. I called XXXX on three different occasions, each time speaking to different people, and each time I gave them all the information from the Chase transactions. XXXX kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to CHASE. Basically I was being ping-ponged back and forth from XXXX to CHASE. 
I can understand if XXXX says that they have no records of the transactions but I can not understand why CHASE would deem those 18 transactions as NOT fraud. In all there were 25 transactions to XXXX at the time when the incident was occurring. Four of those were rejected and three cancelled. If this is not a red flag for the CHASE fraud squad then I don't know what would be. Also, while speaking to the last CHASE fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( XXXX ) and verify the transactions. When I called XXXX there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, CHASE tells me that they transferred the money but the onus is now on me to figure out where it went. So much for helping the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: MoneyLion Inc.
State: TX
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:
on XX/XX/XXXX someone opened a account with XXXX XXXX in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with Money lion in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX XXXX XXXX  " car loan '' in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XX/XX/XXXX someone opened a account with XXXX  ( XXXX ) Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on XXXX XXXX XXXX someone opened a account with XXXX XXXX XXXX XXXX Car loan in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not. 

on date im not sure of the date someone opened a account with XXXX ( credit card ) in my name and it was fraud i requested this information be removed from my credit profile but the creditor has not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Plaintiff does not have correct transfer of mortgage loan and investor 's title. 

Moreover, currently the present lender has the breakdown on Chain of Title on this property. 

Originally the investor XXXX XXXX was the owner of my mortgage loan for this property, since the beginning. But due to an error in the Chain of Title XXXX XXXX is not shown that they were an investor / owner since the beginning. 

I am enclosing my correspondence with present mortgage loan servicing company, and I am unsuccessful to resolve this matter of defective transfer of mortgage loan and title on this property. 

Hope to hear from you soon on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wrote 10 times this letter : Dear Sir/Madam, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt ( s ) because I do not owe it.

disputing this debt, that is not reported it in credit reporting agencies.

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Failure to to this in the next 48 hours, I will legally file legal proceedings with the attorney general in my state.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a charge on my checking account and I disputed it with my bank. I tried to contact the company XXXX XXXX XXXX to reverse charge, but they only removed {$100.00}. I disputed the charge with my bank and they investigated and returned the funds to my bank account. I contacted the credit bureau, Equifax and they would not remove the collection charge from my credit file. I have fraudulent addresses that have been used, fraudulent accounts in my name, and incorrect social security number variations, former names. Nothing helps, this keeps happening to me. I am very frustrated that the credit bureaus continue to allow people to do soft credit inquiries and put incorrect items on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I set up a new instant payment recipient and the bank locked my account. I called, but they said they had to send me a passcode via text. My phone doesn't accept text messages, so they said I have to go to a branch with TWO forms of ID. I don't have two forms of ID, and going to a branch is very inconvenient. They stupidly and arbitrarily took away my access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: OH
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:
Upon reviewing my recent credit report, I noticed an inquiry from XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Credit Karma, LLC
State: MO
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:
My husband and I checked our credit scores with credit Karma because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX Saturday, XX/XX/XXXX I received an email from Credit Karma stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. Credit Karma seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was XXXX XXXX XXXX. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where Credit Karma and XXXX XXXX XXXX are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: U.S. BANCORP
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:
On XX/XX/XXXX my check for {$12000.00} was deposited to a us bank account not in my name. they forged my name and put it in an account that was set up under another person. one week later the account holder who fraudulently signed my check. demanded the bank release the funds to my check. the bank teller knew the check was not in the account holders name. they still released the funds and they took my {$12000.00}

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 2021-09-01
Company: Capital Link Management, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received robo-call from XXXX at XXXX XXXX  on XX/XX/21. 
Recorded message stated : Calling from capital link management. We've recently been retained in regards to an account that's been placed in our office. I need to speak with either you or your attorney immediately to issue a statement on your own behalf. If I fail to hear back from either you or your attorney by the close of business today, I will have no choice but to microsign against you as a direct refusal to comply. Please press 1 to speak directly with a representative.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: MT
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 almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to XXXX approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX XXXX, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXXXXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a credit score under XXXX, I can't reverse things due to stress and my XXXX XXXX XXXX doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The student loan was opened originally XX/XX/XXXX and consolidated in XX/XX/XXXX under a student loan consolidation to include all my federal loans. One however did not make it. The loan was then sold to Navient and although I had my loans in hardship forbearance the bureaus still have inaccurate information on my credit report. I was told, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due since XX/XX/XXXX - XX/XX/XXXX on both XXXX  and XXXX. I can't seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit reporting Act. Thus account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. law XXXX XXXX XXXX -Account # XXXX, 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 2018-12-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I sent {$50.00} to my niece in XXXX, XXXX. My niece is XXXX XXXX. The agent gave me XXXX as my confirmation number to give the receiver to pick up the money. When the receiver went to get the money, MoneyGram refused to give her the money saying the confirmation number was invalid. The receiver reached out to me and I called MoneyGram on Saturday, XX/XX/XXXX. The MoneyGram agent informed me after verifying my personal identifying information, that the confirmation number was not valid. she refused to give me the correct number saying that I needed to go to an agent location with a valid ID. I did. I visited the XXXX XXXX XXXX store on XXXX XXXX XXXX, XXXX, TN XXXX. I explained the purpose of my visit and the agent called MoneyGram. MoneyGram decided to issue a refund and provided a refund confirmation number - XXXX. However, I could not get the money. MoneyGram informed the agent that I needed to travel back to XXXX, GA to pick up the refund. I live in XXXX, TN and was visiting XXXX during the XXXX Holiday. I explained that I was unable to go back to XXXX. Even the store agent tried to explain to MoneyGram via telephone that I do live in XXXX and that she has verified my information. But MoneyGram refused and insisted that I must go back to Georgia. I left the agent location without getting my money back. 
Today, I called MoneyGram to resolve the issue. I spoke to the escalation department and told them the issue I was having in getting my refund. The escalation Department informed me that it would not be an issue to make a change from Georgia to Tennessee in order to get my refund. They advised that I needed to go back again to the agent location and let them call the escalation department so as to give them instruction to process the refund. I drove back to the agent location on XXXX XXXX and the agent called MoneyGram again from the store phone. I heard the agent informing them that the customer does live in XXXX. She asked for my ID and I provided my Tennessee Driver 's License and she gave it to MoneyGram over the telephone. To my dismay, MoneyGram still refused to give my refund but insisted again that I needed to go back to Georgia where I ordinated the transaction. Even the store agent argued that she did not see the rationale why the customer must go back to Georgia. MoneyGram refused and ended the call somehow impolitely. I called the escalation department again but I could not get any help to get my money back. I informed them that I would file a complaint with the CFPB. This is what I am now doing. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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