BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a concerned consumer after looking at my credit report. I am a very private individual and do not allow certain information to be reported about me for personal reasons. You are reporting very private information and were never given permission to do so.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Using Chase 's XXXX XXXX portal, I booked a hotel room for XX/XX/XXXX. I attempted to book this and a rental car with their travel specialist, but she tried to reserve a vehicle in XXXX, XXXX instead of XXXX, NJ, which is over 500 miles away. 
I reserved and paid for a specific room type under ID XXXX. When I arrived at the property, I was given a substandard room with the notification it was what Chase had reserved. Calling Chase ( 1.5 hours on hold ) they blamed their third party vendor, XXXX, or XXXX, and the property manager indicated this specific mistake is a common occurrence with Chase. It was over 3 hours before we were able to get the room I paid for, which I only got because Supervisor XXXX, XXXX said I would need to pay the room charge out of pocket and seek reimbursement. I did this, even though I wanted to cancel the room at this point. I could not because this reservation was non-refundable, and there were no other rooms for rent within 35 miles. 
Chase opened a case and on XX/XX/XXXX XXXX XXXX indicated that the refund would be issued in the form of points with the same cash value within 48 hours. After 48 hours without this refund, I called in and was told that now it will be 1 - 2 billing cycles, which is not acceptable, nor in line with the email I received with 24 - 48 hours for deposit. 
Chase opened a case for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2023 I Reached out to this company by mailing out a Letter to Resolve my issue, I asked Rent Recovery Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: TX
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 XXXXXXXX XXXX XXXX XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-07-20
Company: NATIONSTAR MORTGAGE LLC
State: TN
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:
On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so. 
2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For more than a year, Capital One Credit XXXX. XXXX XXXX XXXX VA XXXX has been sending me someone elses credit card info via my email address 'XXXX '. I have received emails from the time they applied, was approved, was late, made payments, etc, all to MY email account. The person 's account # ends in XXXX. I do not have a capital one credit card account. Furthermore, I am not sure how capital one even got this particular email address. I have ran a check of my credit and there was no indication that my credit was hacked. I have not capital one credit card account and nothing supiscious is on my credit report. I have been calling, emailing, and writing capital one for nearly a year concerning this issue. I have also filed a complaint with BBB but that turned out to be a waste of time. They, capital one, should thank me that I am not a criminal with the the info they have sent to my email address. I would like for capital one to cease sending me this person 's private info. This has to be a violation of privacy issue among other things. I am tired of the run around between the BBB and capital one. This is not my account, I have no credit card account with capital one and they need to cease from sending me this persons account data. The sent me another email today, XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Dear   XXXX   XXXX   XXXX   XXXX   : I have been an account holder since  2014    and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I ha ve two lat e payments on the above referenced account that date back to  2014 s ince that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month  of    XXXX   no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that    XXXX   XXXX   XXXX   is willing to work with  me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May  XXXX  pl ease remove all negative remarks off my credit report. In good faith.       Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I made arrangem ents with Navient in   XXXX   XXXX  to pay {$100.00} every month that was automatically drafted from my bank account.     I lost my job in  XXXX   XXXX  and when they call to ask if I can make a payment and I explain that I ca n't they say they will mark it as failure to pay.     In late  XXXX , a gentleman from Navient called to see if I would be interested repayment options and I told him I would. He then asked me about my co-signer. I asked him what did the co-signer have to do with repayment options. He hung up the phone.     This company is not interested in helping consumers repay their loans. I paid for a year and the balance never decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXXwhich is 12 years later these companies Mr. Cooper/XXXX  mortgage are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for XXXX XXXX  to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX  I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Payfare International Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I tried to withdraw {$300.00} from my XXXX XXXX ( Payfare ) account from an XXXX ATM, while the transaction was processing their was a malfunction and the unit shut down. Although no cash was dispensed, the funds were withdrawn from my XXXX XXXX-Payfare account. 

I immediately contacted the ATM Provider ( XXXX ) and they confirmed that no cash was dispensed, yet the funds were withdrawn from my account. They stated that the refund process had to be initiated by XXXX XXXX and that XXXX XXXX ( Payfare ) should reference the XXXX Case Number XXXX. 

XXXX assured me that they would not dispute this and their system records show that no cash was dispensed and the funds were withdrawn from my account. 

The problem started with the XXXX XXXX-Payfare customer service group ( offshore ). I engaged XXXX XXXX ( XXXX ). The requested a summary of the event which I emailed them 7 minutes later at XXXX XXXX. This started an endless an endless email and voice campaign which provided no resolution, they kept stating it may take up to 60 days to complete. On XX/XX/XXXX they sent me a form to complete that I had to return it immediately or my case would be closed. When I tried to communicate with them on the XXXX my email was rejected because the case was closed Today I spent 30 minutes on the phone and I askerd them why did it take 17 days to send me the form, they stated the pandemic. I stated that I was truly ill ( recently detected XXXX  XXXX ). The operator stated that they did not want to receive any further documentation from me, but they will consider re-opening my case. 

This action could have been resolved within 24 hours-XXXX  stated repeatedly there is no dispute, your card provider just needs to request a refund using the case number that you provider ( XXXX ). 

Payfare has made it impossible to contact anyone domestically, all must go through the offshore call center which can not grasp the problem. 

I am a senior citizen, a XXXX  veteran and I really need your help to escalate this case where there is NO DISPUTE, the ATM provider states they will refund the monies owed me, but it can only do so through the card provider, Payfare. 

All pertinent documents are in a single document that I have attached. 

Thank you in advance, XXXX XXXX All

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account # XXXX Collection : Medical Data Systems I Amount : {$2400.00} XXXX reject to offer your contract. I did not consent any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The extension of credit would be a violation of the False Claim Act. I would like the name and address of the original creditor as i have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any furnishings of false, credit information to the credit reporting agencies. I will file suit for intentional infliction of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid {$100.00} via bank transfer on XX/XX/2021 to purchase Dogecoin crypto on Binance.us. After the value grew, I sold {$100.00} worth and requested to withdraw that same {$100.00} back to my bank on XX/XX/2021 to cover my original investment. Binance said the transaction was processed sucessfully, but neither my bank nor my binance account contain my {$100.00}. I have contacted support numerous times over the last several months with no response.

Company response to consumer: Closed with explanation