BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I applied for a XXXX credit card ( Chase Bank ) through the XXXX website when making a flight reservation, advertised was a {$100.00} statement credit and no annual fee for the first year. All of a sudden there was a {$450.00} annual fee charged - outrageous for a credit card annual fee - so on XX/XX/XXXX. 2019 I called Chase, was told it was for an annual fee, they could remove it and close the account. I asked about the {$100.00} statement credit and was told it would be on the statement when it was generated. I chose to close the account and have them refund the the {$450.00} annual fee. The statement came, no {$100.00} credit, so on XX/XX/2019 I again called Chase. I was told that offer was on the XXXX " XXXX '' card and I got the XXXX " XXXX '' card and that offer was a XXXX bonus miles offer. I seldom fly, why would I apply for that and not the {$100.00} statement credit. I would never have opened another credit card account just for bonus miles and a {$450.00} annual fee!!! When I asked why I received a " Club '' card rather than the " XXXX '' card I applied for, they blamed it on the XXXX website and that I would have to talk to them. Chase bank refused to do anything for me, just wanted to say it had nothing to do with them, it must be the XXXX website. I have never been so frustrated that a bank refused to stand behind what they offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
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:
I have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal or deletion of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-10-14
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-02-06
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX  : DYCK-ONEAL Amount XXXX {$22000.00} I am disputing this claim due to : On XX/XX/XXXX a foreclosure hearing was held regarding property associated with mortgage loans with both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the original holder of the mortgage was notified of said hearing. The outcome was a deficiency waiver. XXXX XXXX did not establish any claim or defenses legal or equitable and no relief was granted. All those who may or may not have been entitled to claim through or under the title or interest is absolutely barred and forever foreclosed of any rights, titles or interests. No personal or deficiency judgment was demanded. I have emails and court documentation supporting both the court litigation and evidence that the lienholders were aware of the foreclosure proceedings prior to the date of the hearing. 

XXXX XXXX subsequently filed an insurance claim with XXXX XXXX XXXX and were paid. XXXX then sold the account to DYCK-ONEAL. Because XXXX XXXX was barred from any further collection of deficiency the order would follow the chain of sales of account. 

DYCK-ONEAL has misrepresented the purchase from XXXX account as a personal loan. I and no one I know or are aware of have signed or agreed to any contract with DYCK-ONEAL. DYCK-ONEAL has no rights of collection. DYCK-ONEAL provided undated faulty documentation in XXXX 2 years after the foreclosure for their assignment of debt from XXXX. 

DYCK-ONEAL also filed suit in Florida where I currently reside on XX/XX/XXXX. I provided 100 pages of supporting documentation to both the court and DYCK-ONEAL on XX/XX/XXXX. Notice of lack of prosecution and courts motion to dismiss the action was sent to DYCK-ONEAL on XXXX case was dismissed by XXXX XXXX Florida court on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This will be my last attempt to resolve what I believe to be fraudulent activity by OCWEN. 

According to the loan modification documents, late charges would be eliminated. In addition, the 2nd lien filed with the Treasure Department for reimburse was erroneous filed. From the beginning of my complaint, Ocwen received duplicate payments from the consumer and Treasure Department for the 2nd lien filed.

Attached please find my payment history to Ocwen. It will confirm late charges included with the loan modification in addition to the 2nd lien filed with HUD. I am requesting payment in full for the 2nd lien, erroneously interest charged and unapplied payments.

If a resolution isn't reached, the next step will be DOJ, Treasure Department or Whistleblower. I find this behavior despicable when consumers work so hard and trusting a regulating industry to ensure consumers are protected. 

Please call me at XXXX ( home ) or XXXX to reach a settlement. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Gave the Cras reporting this information the amount of time needed to provide me validation of the alleged debts and verify these accounts that are on my consumer report but the demand has yet to be met

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NV
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$230.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; USDOE/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; 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, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, CO 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 2023-10-15
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recieved a copy of my XXXX Report and Noticed Inaccurate Information Regarding Fabco Reporting False Information From Original Creditor XXXX XXXX XXXX On XX/XX/2022. Under The Fair Credit Reporting Act FCRA Code XXXX Section XXXX States A Person Shall Not Furnish any Information Relating to a Consumer to any Consumer Reporting Agency if the Person Knows or Consciously avoids knowing that the Information is Inaccurate.In Which Pertaining to The Account XXXX Was Paid in Full By the Columbus Ohio Rental Assistance Program Via Application # XXXX onXX/XX/2022 and Application # XXXX onXX/XX/2022. All Association Needs to be Deleted From The Reporting Credit Bureaus and Files From Both Parties.

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 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I am writing to follow up on my previous complaint regarding a fraudulent charge on my credit card account that was reported on XX/XX/XXXX, in the amount of {$170.00}. Despite multiple attempts to resolve this issue over the past several months, I have yet to receive any updates on my dispute or a claim number from your institution. 

I am extremely disappointed in the lack of progress and attention that has been given to my case. As a result, it appears that Bank of America is essentially stealing my money at this point, as the fraudulent charge has not been removed from my account. 

I have also filed a CFPB complaint. The agent did not respond or help me resolve my case in the 60 days following this complaint. 

On XX/XX/XXXX, my credit card issued by Bank of America ( BoA ), was charged {$170.00}. This was a fraud purchase that I did not make. The charge was posted on my account on XX/XX/XXXX. Since then, I have contacted Bank of America on three separate occasions to resolve this issue. Every time I was made to wait for over 30 minutes on hold and before being redirected to a different department. Finally, BoA mentioned that they will process review my dispute, file a claim, and provide a claim number. Its XX/XX/XXXX and I have not received a claim number or any updates on my dispute. No email communication or mail. As I type this report, I am on hold with BoAs customer service waiting for someone from their fraud department to take my call. Since it has been over seven months, Im filing this complaint in the hope that CFPB can help with the resolution. Please let me know if you need any additional information on this case.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} U.S. Bankruptcy Court XXXX Bankruptcy {$0.00} XXXXXXXX XXXX | XX/XX/2023 Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2021-08-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Begging in XXXX of XXXX I notified XXXX XXXX XXXX at the address of XXXX XXXX XXXX XXXX, ID XXXX that my identity was stolen and the collection was a result of that. The collection for account number # # # XXXX is not valid. After months of sending letters and calling I sent them a Notice to Furnisher and a copy of my identity theft report and ask them to stop reporting as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked them to send letters of their finding and actions. They did not respond and after a couple months took the collect off my credit reports. In XX/XX/XXXX Genesis Credit Management LLC apparently bought that collection. I have disputed it for the last two months and told them that it was due to Identity theft and they have refused to take it off my credit report. They will not call me or mail me any documentations. This invalid collection is interfering with my ability to get approved for the home I trying to buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm in the middle of purchasing a new home. 
The lender pulled my credit and identified a decrease of XXXX points due to a newly reported collection on XX/XX/23 : Original Creditor XXXX XXXX XXXX XXXX XXXX : Resurgent/LVNV Funding ( XXXX ) XXXX After speaking to the collection agency, I called XXXX XXXX and they confirmed that they never reported my information to the collection agency. 

The collection agency is no longer responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
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 have accounts on my credit reports that is a result of identity theft. I have disputed these fraudulent accounts with the credit buearus several times and they still wont resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Monday XX/XX/2018 My wife and I called into the company to ask if we had any pending or scheduled payments that were going to be coming out. The lady on the phone told us no and that nothing will be taken out. 

On Wednesday XX/XX/XXXX {$240.00} came out and made our account negative. We never authorized that payment and if there was a scheduled payment which nothing showed online or in the app that we had one then nothing should have been taken out. When we called the Monday before we were going to cancel any pending payment so when they told us no that there were no pending payments is where i have a problem. We called that same day ( Wednesday ) and the guy on the phone told us it would be 24-48 hours and gave us a confirmation number of XXXX. 

So on Friday, XX/XX/XXXX the money was still not back into our account. We called and spoke to another guy. He said he doesn't know why it was never refunded and said that he would like to expedite the process and asked me to send and email with a voided check. i did that and asked when this would would be back into my account and he said 24-48 hours. 

So on XX/XX/2018 the money still wasn't into our account. We called and spoke to the " supervisor '' and she said it will take 24-48 hours and i asked about the overdraft fees she asked us to send in proof which we did and she advised that she will send it over to the accounting department so we can get our refund. 

So on XX/XX/2018 we still haven't gotten our money. We called and asked where it was at and they said that since we were set up on recurring that it was going to be mailed to us. Told them that everyone else we have spoken to has told us that it will be going into our bank account not getting mailed and that we want our money back now. 

So today XX/XX/2018 we still haven't received anything. We called again and told them that we are done with them and just want our money back. Guy on the phone said the check was supposedly mailed out on XX/XX/XXXX but only for the payment amount not for the overdraft fees as well. We sent in more documentation for that and he said he will expedite it. 

I just want our money back. I have never had a place like this give us a run around and cause us so much harm in our financial life. Normally when they give the days it will be refunded it normally is refunded. I have gone days without eating or money for gas because we haven't had money because they lied to us so many times. it should have never taken this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: V and H Portfolio
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a result of verifying your accusation, we have learned from the original owner ( XXXX ; XXXX XXXX XXXX ; XXXX ) that not only has this matter been resolved, but that they did not hire your organization or ask that you act on their behalf. Please refer to the information collected. Also, please remove the inaccurate claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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