BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX, WA XXXX This company claiming I own debt to them which they never properly verified. I requested proper debt verification from them - but they never responded. They put a collection on my credit reports. This is fraud since they didn't verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for an apartment to rent and this person named XXXX XXXX who claimed to have an apartment property in XXXX XXXX XXXX XXXX, IL XXXX. She currently lives in XXXX XXXX so she wanted to go through XXXX  for security purposes on both parties while she is overseas. I agreed and sent me a link that seemed exactly like XXXX. On the link I had information that required a {$2800.00} deposit to move in for a 2 months rent ( $ XXXX ) and a security deposit ( {$950.00} ). Upon agreement I asked why the wire transfer with the account numbers was through a person named XXXX XXXX in Alabama. She explained that it was XXXX and they have a contract through them and once i send the money i will have a contract through XXXX and will get the keys to move in and rent out the flat. So i transferred the money and received an email receipt and an invoice through XXXX or thats what i thought. The wife transfer seemed suspicious to me and how XXXX never responded for further instructions. I then went on the real XXXX website and contacted customer support to confirm my reservation. Sure enough the customer agent rep told me they couldnt find me and told me the link i provided to them was not theirs but looked exactly like their company. She advised me to contact my bank right away because it has been happening a lot to other people and its what they call phishing. I contacted my CHASE bank right away as it was still under pending and made a claim. They reassured me that the transaction is under investigation and since its under a pending review, the transaction should be on hold until claim is done with investigation. This morning i saw the payment was no longer pending and it went through but Im not sure why if they atleast tried to reversed for a recall. Chase bank kept giving me the run arounds that one department is able to help me but at the end nobody can help. A rep also mentioned that the only department that can help me is the wiring transaction department but that they are closed since the pandemic started. How is that my fault and why cant these sort of scenarios that need escalations be escalated? So my claim for a SWIFT recall from Chase bank to XXXX XXXX ( XXXX XXXX XXXX ) hasnt even started and that is why the transaction is no longer under pending. Every time i called XXXX, no representative is able to help me with this case or refused to at least try and help me find information to reach the wire transaction department to recall me back my {$2800.00} which could have been prevented if they had at least one representative that were able to handle this type of situation. No manager, no department knows how to help me and am getting passed around with no solution which is unacceptable when they are working for a company that is responsible for their consumers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2021-12-21
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed a doctors bill that was covered by my insurance. XXXX XXXX deleted the account but I am having no luck with XXXX or XXXX deleting the account and they have not given me an explanation as to why its still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: DISCOVER BANK
State: GA
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:
On XX/XX/2023, I entered into an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXX  for a total price of {$700.00} which included a service fee for using my credit card to pay for the purchase. 
I was asked to pay a 50 % ( {$350.00} ) down payment which I did with my credit card. 

Even though XXXX XXXX XXXX sets up their office like that of a XXXX I was made to understand that they're not XXXX  There's no XXXX  on staff. 

I picked up the finished XXXX on XX/XX/2023 and when I picked it up I was dissatisfied with the fit because it was extremely uncomfortable. 
However, after trying for some time to get the XXXX properly fitted the vendor decided that she had had enough and she ordered me out of her office. 
I was arrogantly told to leave the office and that if I did not leave the office they would call the police to get me trespassed. 

Not wanting to interact with the police. I decided to leave and they told me that I had a warranty. I believe it was 30 or 60 days and that they would freely make adjustments doing the warranty period. 

After a few days I found that the XXXX were still extremely uncomfortable and that everything I tried to consume, even water would cause an astringent reaction and the roof of the XXXX and on top of the stringent reaction, most foods would also cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I called XXXX XXXX and I complained about the astringent and rough feeling on the roof of the XXXX and the suggested I come to their office for adjustments. They also suggest they use any eraser on the top of a pencil to rub the roof off the XXXX 

I mentioned to them that they were unable to do the proper adjustments while I was at their office so it was useless for me to come back because they may once again offer to call the police to have me trespassed. 

I sent XXXX a certified letter within the warranty period asking for them to return my money in exchange for me giving back the XXXX. The certified letter was delivered to them but till this day they have not responded. 

I immediately filed a dispute request with Discover Financial and I sent them a copy of the certified demand letter which was sent to XXXX XXXX which outlined the fact that the goods provided was useless. 

Discover financial ruled in the merchants favor claiming that the merchant sent them proof that I purchased the goods. 

I did not deny that I purchased the goods. What I am Trying to explain to Discover is that the goods is no good. 

I am attaching a copy of this certified letter sent to XXXX XXXX Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Over the weekend, we received our mortgage loan statement. I was looking at the statement and realized that it had a  balance for legal fees on it. After contacting Nationstar, it was determined that this fee was for a bankruptcy which was filed last year. A bankruptcy which did not include Nationstar.  Apparently, they transfer the paperwork to another department and charge their customers a fee for this. If they would look at my payment history, I have never missed a payment with them and all my payments have been made on time and consistently around the same time each month. I was appalled that they would think of charging a good customer a {$300.00} fee to transfer paperwork to another department within the organization. This is a large mortgage servicer for you. They do n't care about customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I, Consumer XXXX d/b/a XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. Pursuant to my initial complaint on XX/XX/2021, my federally protected consumer rights continue to be violated by this financial institution. Even after sending a cease and desist that was received on XX/XX/2021 by Bank of America, N.A., my rights pursuant to 15 USC 1692c. ( a ) ( 3 ), 15 USC 1692c. ( a ) ( 1 ), and 15 USC 1692d. ( 5 ) continue to be violated. My phone continues to ring at my place of employment and at inconvenient times with the intent to harass and annoy me even after receiving my cease and desist as labeled in Exhibit G.

Also instead of validating the debt as I requested, I received threatening letters as shown in Exhibit I from Bank of America, N.A. that demand I make payments to an alleged debt that they can not even validate exist with the intent to coerce me into making payments. If I do not make payments threatened to exercise remedy that is allegedly available to them via a fraudulent contract. This is a violation of my federally protected consumer rights pursuant to 15 USC 1692e. ( 5 ). Within the letters were the same profane language that I addressed in my initial correspondence which is a violation pursuant to 15 USC 1692d. ( 2 ). This letter was constructed to give me the false belief that I, the original creditor, owe an alleged debt in which I am not participating in collecting a debt from myself and is a violation pursuant to 15 USC 1692j. ( a ).

I have proof as shown in Exhibit H that Bank of America, N.A. violated by federally protected consumer rights pursuant to 15 USC 1692d. ( 1 ), 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ), and 15 USC 1681a. ( d ) ( 2 ) ( B ) in which Bank of America, N.A. damaged my reputation by reporting false balances and reporting a consumer credit transaction that involved the use of my credit card to XXXX that should have been excluded from my consumer credit report.

In addition to these repeated violations, I have yet to receive any validation of the debt and the invoice was not paid on time. I sent a follow up invoice with late fees as well as additional charges for repeated violations of my federally protected consumer rights.

I have provided the attachments from the initial complaint as well as the new Exhibits, return and certified receipts, Affidavit of Truths pertaining to the FCRA and FDCPA, and an updated invoice that reflects late fees and additional charges for repeated violations. Attached is also Notice of Default and Opportunity to Cure.

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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to BANK OF AMERICA , N.A . XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA 's customer service representative.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: NC
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-12-20
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXXXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Axcess financial continues to falsely report a debt that isnt mine. Dont know who this company is or what they do. However they are inaccurately reporting false account information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$12000.00} XXXX  XXXXBalance : {$6400.00} XXXX  XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$6400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have this scam of inquiry on my credit report XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP this is in accurate information and must be removed under the free credit reporting act Experian Response below clearly they have no intention in investigating. Because how can I contact creditor with the information they have listed. Please help CFPB In accordance with the Fair Credit Reporting Act, entities You will need to reach out to the creditor who pulled the inquiry in order to get more information about the inquiry and the manner by which it was requested. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXXXXXX XXXX XXXX XXXX TX XXXX For more information regarding your credit and answers to frequently asked questions, you may visit XXXX. Please note that you may submit your requests and/or documents supporting your claim electronically at XXXX. You may also visit Experians  dispute center at XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint PortaXXXX. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : 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 2021-04-24
Company: Synovus Bank
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently opened this XXXX XXXX XXXX credit card but had trouble making my first payments to the card. I was given incorrect or inaccurate instructions over the phone in regards to making my payment through my bank 's Bill Pay service. I kept asking multiple times if my payment was received, and all I was told to do was wait. By the time I realised what had happened, it was already late XXXX, and multiple payment deadlines had passed. When I called, I asked for a reversal of the late payment statuses and late fees due to this error. My understanding was that all the late fees would be reversed now that I had posted my full payment. However, this was not done, and right now my card is showing as having been late for XXXX months and it is ruining my credit.

Company response to consumer: Closed with explanation