BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several unknown and inaccurate accounts displayed on my consumer profile. this is making it extremely difficult to obtain credit. reminder according to the FCRA any items posted without verification must be removed 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has not yet to provide substantial/credible validation of debt. The company provided a lease with that appears to be an automated FORGED signature of my name. This does not validate that this debt belongs to me. On XX/XX/2023 I requested validation of said debt.This company claims that I visited a local retail store by the name of XXXX XXXX XXXX XXXX Ga, opened a line of credit and agreed to a contract. The lease agreement also reflects a different total amount than being reported to the credit bureaus. Therefore, I am requesting that after reinvestigation that this collection account be removed from my consumer report immediately if substantial/credible validation of this debt is not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Credit Service Company a dispute letter for XXXX accounts that they have reported on my credit report. The disputes were sent out XX/XX/2022. I asked for documentation that I am entitled to ask for and they have not complied with the whole list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am trying to make a payment on a new loan. The loan is not " booked '' yet is the term the respondent 's employees use. I was advised by an employee by the name of XXXX that if I supplied my application number which is XXXX that I would be able to make a payment after supplying that number to their " approved application department. '' I verified that the dealership has been paid by the respondent. Unfortunately, the respondent is engaging in dilatory practices and is refusing to accept a payment.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Under the Fair Credit Reporting Act, my consumer rights have been violated. 

A reporting agency needs written instructions from me, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition, you have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) WI XXXX : Account number : XXXX, This account violates 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer .a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

XXXX  XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. 

I have not given permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information

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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Several charges on my credit card that needs to get disputed and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

XXXXXXXX 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 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 2022-10-25
Company: Experian Information Solutions Inc.
State: MD
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:
There is information on my reports which are causing financial harm to me and my family. I have sent disputes to each of the three Credit Bureaus in an attempt to update the following items. 

XXXX Account Number : XXXX XXXX Account Number : 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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my checking account and still holding my Funds from the month of XXXX. I reach several time in chase Branch & talk on the phone with customer support Dont found any helpful Decisions. 
I Got the checks from my friend & Family members I Deposited in my account and they raise the reason they need additional verification from the person you got check issued I took my family members to the Chase Branch first they took there identification or proof of evidence of the individuals or corporations and submit online then they said give 2-3 Buildings Days to get Verified by customer support after 2-3 Days they said ok you get your cashier checks in the mail after tht they send me two cashier checks but then again I reach customer support why I dont received my all funds then they said they need additional verification then I make the appointment with my family friend and took him to the Branch with additional Verification Documents they requested. When I visit branch the same person I met hes very helpful but the Department with whom hes in talk not giving any solution how I am able to get verified in the response they said Bank update the verification Process now Bank only able to Verified the Person only on Phone they just played & Im really frustrated & feeling paralyzed with the chase & at some point feeling to commit suicide with all the problem created by JPMorgan Chase to my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA. 

The fraudulent accounts are XXXXXXXX XXXX {$14000.00}, XXXXXXXX XXXX {$1100.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a Kohl 's credit card that I owed {$470.00} and they keep calling early morning and late nights threatening me that they will collect. I have tried to resolve the issue but now they won't stop harassing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account appears to be a charge off with a balance showing on my credit report in the amount of {$5400.00}. If it is a charge off, a dollar amount should not be showing. In addition, I have no knowledge of this debt.

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 2023-03-24
Company: CAVALRY INVESTMENTS, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX acquired alleged debt for a credit card opened in 2016 from XXXXXXXX XXXX. They then sued me through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

I contacted XXXXXXXX XXXX, both their collection department and fraud department who did not have any account history to tie back to my personal information including my Social Security Number. 

< Summary of CFPB Complaint - Unvalidated Debt Collection Attempt by XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX XXXX Summary : This summary serves as a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the improper debt collection practices of XXXX, Cavalry Debt Collection, and XXXX XXXX XXXX. The parties in question have made attempts to collect an unvalidated debt, which is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ). 

The aforementioned parties have engaged in the following unlawful practices : Attempts to Collect Unvalidated Debt : Despite the consumer 's repeated requests for validation of the alleged debt, XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX have failed to provide proper documentation to confirm its validity. 

Harassment and Unfair Practices : The consumer has been subjected to frequent and aggressive phone calls, as well as threatening and misleading correspondence, in an attempt to coerce payment for the unvalidated debt. 

Infringement of Consumer Rights : By pursuing the collection of unvalidated debt, the involved parties have violated the consumer 's rights under the FDCPA and the CFPA, which require debt collectors to validate debts upon request and abstain from unfair, deceptive, and abusive practices. 

As a result of these violations, the consumer has suffered emotional distress, financial harm, and damage to their credit score. The complainant requests the CFPB to investigate the matter and hold XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX  accountable for their unlawful practices. Furthermore, the consumer seeks the cessation of all collection attempts, removal of any negative credit reporting related to the unvalidated debt, and financial compensation for damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear XXXX, I am writing to file a formal complaint against XXXX and Wells Fargo regarding their handling of an international wire transfer I initiated on XX/XX/2023. I wired funds to XXXX XXXX XXXX 's account with XXXX XXXX, XXXX XXXX in XXXX, for the purchase of an apartment in XXXX at XXXX XXXX XXXX. However, to this day ( XX/XX/2023 ), the money has not been received by XXXX XXXX, and XXXX XXXX  has confirmed they have not received the funds. 

Despite my efforts to resolve the issue, including requesting the money to be recalled and returned to me, Wells Fargo informed me that XXXX in XXXX XXXX, the intermediary bank, was holding the money and conducting an investigation. However, the nature of that investigation remains unknown to me. I filed a formal complaint through your office ( Complaint ID XXXX ) against Wells Fargo XXXX XX/XX/2023. Wells Fargo responded to my concerns on XX/XX/2023, stating they had reached out to XXXX four times with no response, the case remains open. On XX/XX/2023, Wells Fargo informed me they had made three attempts to confirm credit, but there was no response from the beneficiary bank, XXXX XXXX, XXXX XXXX As a result, the letter stated that Wells Fargo would close the file, and no further action would be taken, which is unacceptable. 

I called the Wells Fargo XXXX XXXX on XX/XX/2023, and requested them to reopen the case. However, they advised me to contact XXXX directly since XXXX was ignoring the interbank Swift messages sent by Wells Fargo. I am not a XXXX client, and I believe it is not my responsibility to resolve this issue. This is a matter that should be resolved by the two banks, XXXX and Wells Fargo and not left to an individual to directly resolve by following up with a bank of which they are not a client. 

Due to this long delay, I am unsure if I will be able to purchase my apartment as agreed upon with the seller. This has caused me considerable emotional distress. Wells Fargo and XXXX have yet to provide a clear explanation as to why my hard-earned money is still being held and not returned to me. I suspect that the banks are ignoring me and not taking my complaints seriously, possibly because I am a minority. 

The mismanagement of this wire transaction demonstrates a profound sense of arrogance and disregard for professional courteousness. Therefore, I am seeking a full refund of the wired amount ( {$33000.00} ), as well as compensation for any additional expenses incurred as a result of Wells Fargo and XXXX 's negligence. 
I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter in a timely and satisfactory manner. Thank you for your attention to this matter. 

Sincerely, 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 2022-11-13
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Was advised by email on XX/XX/XXXX my borrower defense discharge was approved and I did not have to make any further payments. On XX/XX/XXXX only a vouple days past the due date and despite having no consent to use my cellphone number Navient started calling. They called using a robo dialer at least XXXX on the XXXX, XXXX on the XXXX, XXXX on the XXXX even after I answered and reiterated they do not have consent to call this number or robo dial as they were doing. They called back within XXXX hours of being reminded they did not have consent and they are not to call this number. Again they were told the number should not be called. They do not have consent to call the number or robo dial as they were doing. They proceeded to call back XXXX more times on the XXXX and once on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Dear Sirs/Madams Re : Illegal litigation practices, using the GA court system for the purpose of intimidation, deceptive court filing to coerce consumers to pay, faulty/unsubstantiated evidence to churn out a lawsuit, violation of Dodd-Frank Wall Street Reform, violation of Consumer Protection Acts prohibition, violation of the Fair Debt Collection Practices Act, by XXXX XXXX XXXX XXXX and/or Bank of America. 


In response to the attached letter left at a relative 's address, I received a copy of the letter via e-mail, shortly after contacting Bank of America asking  again for a feasible repayment plan. 

The letter sent via CFPB, dated XX/XX/2018, contradicted the letter sent via XXXX County, dated XX/XX/2018. 


Perhaps the CFPB should make XXXX XXXX XXXX XXXX and/or Bank of America. 

pay {$3.00} XXXX to the Civil Penalty Fund. 


Again, I do not reside in the jurisdiction of XXXX County court. Furthermore I am not able to travel over there to attend the meeting, scheduled on XX/XX/2018. 



This expired debt was charged off by Bank of America ( the creditor ) and then the written-off / worthless debt was sold to XXXX XXXX XXXX XXXX ( the debt collector ). Both the creditor and its debt collector failed to properly offer me a repayment arrangement and now they also failed to properly inform me about their intention to file a lawsuit. My calls to Bank of America and XXXX XXXX XXXX XXXX get re-routed to robotic assistant, voice mailbox and then terminated. Now the collector is attempting to win by default judgment. 

I have an on-going case here in XXXX/XXXX and can not leave. Bank of America and/or XXXX XXXX XXXX XXXX are welcome to lodge their claim in a court in XXXX, XXXX. Nevertheless, XXXX/XXXX  laws require proof of failed resolutions via out-of-court communication as the first step before a proper lawsuit can be filed in a court. 


Regards 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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am in the process off starting the process of purchasing a home. This morning I had a credit score decrease of XXXX points. I had no new negative information added to my report. Ironically I had two positive incidents reports. The first one was an account balance decrease of {$850.00} lowiering my useage to 18 % from 98 %. The second was a on time payment also lowering utilization. I am baffled how this happen with positive payment leads to negative point loss. I contacted TransUnion 3 times and was told that they dont provide information and instructed me to this agency. How can a reporting agency not provide me with my own information that they formulate? I believe this violates my rights under the fair credit report act. This negligence will hinder my opportunity to qualify for my home loan.

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