BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Credit reporting 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:
I noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items 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 explanation
Consumer complaint received 2023-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls several times a weeks, always from a different randomly generated number, for the past XXXX weeks, to my place of employment. I have received no written communication from them, no emails, no phone calls to my personal number and there is nothing on my credit report, not a single delinquency for anything. I need them to stop harassing me at my place of employment. They clearly have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error, I am a consumer by law an my information was misused. Due to this I have inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: 90 Day Credit Experts
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to 90-day credit back in XX/XX/2023. They have not complied with anything on the contract. Then told that I am not paying a company ( XXXX XXXX ) paying XXXX a month that they are in bed with. I had no idea that I had to pay this company as well. I have been paying 90-day credit for 5 months {$150.00} a month ), and I have sent them emails, made phone calls, and left messages. They have not done anything that their contract has stated. I refused to pay them another dime, so I blocked them from my credit card, and they sent me a message stating : Hi XXXX XXXX, this is 90 Day Credit Experts. We were recently notified by your bank you disputed our payments. We will be sending your bank the contracts you signed to reverse the disputed payments. Your account will be sent to a 3rd party collections agency and legal efforts will be made to collect the debt. You will receive a letter in the mail within 30 days if you have any questions contact the number on the letter.

I have not received a letter or a phone number, this was an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/21 I placed an order with a vendor who failed to deliver and would not respond to my requests for a refund. I escalated to my credit card company, Citi online and via phone but their systems would not accept my dispute request. I tried multiple times online and was later told by a representative that their dispute system was " offline for maintenance '' and to try again in a few business days it has now been more than three business days that this " system '' was down.

Considering the fraud-prevention and control role a dispute system holds, a multi-day outage at major bank is both unacceptable and worrisome. There should be alternate methods to process this dispute manually and a more robust control environment to protect client funds.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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. 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 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 2023-08-23
Company: Absolute Resolutions Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Absolute Resolutions has been reporting information to XXXX, XXXX and XXXX that is inaccurate and fraudulent under 18 U.S Code 1028 ( d ) ( 12 ). They have consistently tried to sue for monies not owed to them. They have NOT provided proof of any kind, with a LAWFUL two-party contract binding both parties signed in wet ink by both parties, bearing my signature, to prove I in fact owe this debt. Therefore they are committing fraud to collect on a debt not owed. They have failed to comply with FDCPA, 15 USC 1692g Sec. 809 ( b ) which states I have the right to dispute the debt and request validation of the information they claim to have on file. I have been sent NO proof. They have currently violated 8 of my rights as a consumer and continue to not comply with the Fair Credit Reporting Act, the Fair Debt Collection Practice Act and The Uniform Commercial Code. I am taking the next step to seek remedy for damages per violation at a minimum of {$1000.00} each. It has been over 90 days and I am requesting to have this account deleted immediately and cease further attempts to collect on the said debt before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
XXXX XXXX XXXX XXXX {$1900.00} Open Open, completed In progress In progress, in progress Closed Closed, upcoming Dispute status Under merchant review We allow merchants 15 days to issue a credit after receiving a return. If they haven't credited you by then, we'll contact them regarding your dispute. 

Don't worry about payment in the meantimewe 've placed a hold on this transaction while your dispute remains open. 

Upload documents Transaction date XX/XX/2023 Dispute opened XX/XX/2023 Reason I canceled this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I wired {$41000.00} to XXXX to purchase equipment I won in an online auction ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I wired another {$45000.00} to XXXX for vehicles I won in another auction ( XXXX XXXX XXXX and a XXXX XXXX XXXX ). About two hours after sending the second bank wire, I received information that let me realize that I was a victim of the XXXX, XXXX XXXX Scam. 

I immediately contacted the FBI field office in XXXX XXXX and file a report. The FBI officer advise me to contact my bank and ask them to retrieve the bank wires. I contacted JP Morgan Chase Bank immediately and explain the situation in detail. I told the bank representative I was defrauded {$85000.00} and the FBI officer told me to ask the bank to retrieving the wires. The representative told me she filed a report and gave me a reference number ( Ref # XXXX ). She also explained that it was not 100 % guarantee that they will be able to retrieve the wires, but my chances were great because I reported the fraud early ( the same day ), and the wires were sent to another JP Morgan Chase Bank so they have more control over the process. She told me the bank will contact me within the next day or two with a follow up report on whether they were able to retrieve the wires. Below is a timeline of the actions/activities since my initial bank report to JP Morgan Chase Bank on XX/XX/XXXX : XX/XX/XXXX - I did not hear from the bank so I did a follow-up call on XX/XX/XXXX. I was told that they could not find the report and I need to file a new report with the Wire Research Department. I filed a new report. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. 

XX/XX/XXXX Update report to add a XXXX  XXXX XXXX bank account that the Scammers were using. 

XX/XX/XXXX Update report to add another JP Morgan Chase Bank account that the Scammers were using. Also ask for update and state we need to act immediately and freeze the Scammers bank accounts because they will disappear the next day. 

XX/XX/XXXX Receive update from JP Morgan Chase Bank saying they are still working to retrieve the bank wires. 

XX/XX/XXXX Finally got another response from JP Morgan Chase Bank saying they request the wires to be returned but have not heard back from the Scammers so I should try and contact the Scammers to resolve the matter. 

XX/XX/XXXX I followed up with a response to JP Morgan Chase Bank to let them know I was very disappointed with their handling of the situation. 

XX/XX/XXXX Receive a response from JP Morgan Chase Bank saying they will continue the process of asking the Scammers to return the wires. 

XX/XX/XXXX Receive another response from JP Morgan Chase Bank saying the Scammers bank account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
submitted a final complaint to XXXX XXXX XXXX after filing six complaints regarding identity theft issues. The most recent complaint was lodged within the last 30 days, and on XX/XX/2023, they responded by rejecting my claim. Throughout this process, the bank has made several errors and has been unwilling to provide me with an itemized statement that would allow me to identify potentially fraudulent charges. Instead, they only submitted a proof of lending document and statement grand totals without any itemization. Moreover, I am unable to access my account as I am no longer a customer. Adding to the ordeal, the bank lost my last fee payments and then advised me to close the account during the COVID-19 pandemic. I had to file a claim for the lost payment, which the bank eventually found, but by then, my credit had already been severely damaged. I feel like I am being bullied by this trillion-dollar bank, and their actions are causing significant pain in my personal life and impacting my credit with no resolution in sight. To make matters worse, XXXX XXXX XXXX sent Cooling & Winter to my brother 's home, and they intimidated him. As a result, my brother filed a police report of harassment against Cooling & Winter and XXXX XXXX XXXXXXXX. I urgently seek assistance in resolving this situation, as it is causing distress in my personal life and damaging my credit. Your intervention and guidance in dealing with this billion-dollar bank would be greatly appreciated. 

This is my 2nd complaint with CFPB and I am asking to dismissal due to this company not providing me with my account ( s ) statements to look over the fraud activities on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Certegy Holdings, LLC
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: Account information incorrect

Complaint:
Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to 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 2023-11-14
Company: Experian Information Solutions Inc.
State: WI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$4700.00} ; XXXX, XXXX & XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XX/XX/2021.

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 2022-11-10
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 ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to XXXX, XXXX and Equifax disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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:
XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : 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 explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act these convergent accountS have 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 an account without my written instructions. 

Accounts as follows 1XXXX XXXX XXXX XXXX Balance ofXXXX Open date XXXX XXXX XXXX XXXX - Balance of XXXX Open date open XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX 4. XXXX XXXX XXXX Balance of XXXX XXXX date XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance of XXXX Open date XX/XX/XXXX XXXXXXXX XXXX XXXX- balance of XXXX Open date XX/XX/XXXX 7. XXXX, XXXX. 
Balance of XXXX. 

Inquiries XXXX. XXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Hillcrest Davidson & Associates
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : I closed my account with XXXX on XX/XX/XXXX. When I first canceled the account XXXX did tell me that if the new homeowners did not pick up service, I may be charged {$700.00} for the equipment. For several months I was careful to watch for additional charges but there were none. I heard nothing more from XXXX, paid my final bill and assumed the matter was finished. 

In XX/XX/XXXX I began receiving calls from a collection agency, XXXX XXXX XXXX XXXX, XXXX TX. On XX/XX/XXXX I spoke to XXXX. She informed me that XXXX forced a vendor to buy back equipment from my XXXX account because I had only had my service for one year. XXXX never attempted to reach me to buy back my equipment. No other service attempted to reach to me to buy back my equipment. XXXX said that my equipment was put in by a company no longer in business - " XXXX XXXX XXXX ''. That " XXXX XXXX XXXX '' had been merged with a company called " XXXX XXXX '', and that both had been purchased by XXXX. Now, neither business exists but my " debt '' is to XXXX XXXX. 

I told XXXX no one had attempted to contact me, and that I was not familiar with XXXX XXXX XXXX, XXXX XXXX, OR XXXX Representatives. I told her if I actually owe someone, I'd like to speak to them personally. She stated that it was now against the law for me to speak to them personally because it was in collections. She said they must have tried to reach me at my old address and this is why I never received any notice. However, my mail was forwarded from that address. So that did not make sense either. 

She stated that they had agreed to settle my debt for 75 % of the original cost and now I only owe $ XXXX. I stated that's odd, the debt has increased, however, if I do owe this, I would be willing to possibly negotiate to 50 %. She left the phone, came back and said that they were willing to drop it to $ XXXX. I said, how would I pay that. She said we except Visa, XXXX, XXXX XXXX, and XXXX. I said, I would like to pay by check, to which she said, I was able to do that, but if I did it would be at the higher amount of over {$1000.00}. 

I called XXXX. They assured me that my account with them was clear. I owe nothing. They also sent me a letter stating that my account is in good standing and my balance is {$0.00}. 

The collection agency did threaten to hurt my credit, which today has a FICO score of XXXX. 

Please advise. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 2021-09-15
Company: EQUIFAX, INC.
State: GA
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, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Lending Club Corp
State: OH
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:
In XXXX of 2021, I obtained via the website for LendingClub, a payoff amount for an installment loan. The payoff amount quoted was {$15000.00} and was paid in full, on XX/XX/2021. 

In XXXX of 2021, I received an email stating I was 74 days past due for an amount of {$1300.00}. I immediately called and spoke with multiple representatives, who initially refused to provide me with account information, as there was allegedly a POA in place. However, that POA had been removed less than 30 days after it had been initiated, in XXXX of the year prior. 

After several weeks, the investigation concluded that I did not have the appropriate information available to me, to know there was a remaining balance, when I'd been provided a payoff amount, via the LendingClub website and that I should have been notified BEFORE I was 74 days past due. The result of their investigation was to report a 30 days past due and a paid in full status.

This resolution is unacceptable for multiple reasons.

1. I was never late. I paid the entire account balance in XXXX. 
2. It took more than 4 months to notify me that there was a balance, and I received it ONLY after derogatory information was erroneously reported to the credit bureaus.

Company response to consumer: Closed with explanation