BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: Google Compare Credit Cards Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking through XXXX  XXXX for a XXXX XXXX to buy and came across one that was XXXX i chatted with the guy a bit and he said he would go down to XXXX and asked for my number so it would be easier to message through so we chatted from Wednesday all the way to Friday then did the transaction through Google pay for XXXX then i asked him when are you gon na ship it he said tht day or the following one i asked him the following day did you ship it but he never answered so i was worried i kept trying to contact him but no answer then tried calling but he instantly decline the calls so now he won't answer and won't ship what i thought i bought

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement in the mail for a savings account with BMO Harris Bank. I never opened such an account, or I have no recollection of ever opening an account with this bag. I called the number listed at XXXX XXXX XXXX. The representative asked for my account number name and address, which was printed on the statement, so I had no problem, giving it to them. He then asked me to confirm my Social Security number, which he read to me. I confirmed, which I probably should not have. He then asked for my to confirm my date of birth, which he gave to me, and I refuse to confirm he was very rude and hung up on me. I called back twice and asked for the fraud department and I was never transferred over to them. I dont know if this was a fraud or just horrible customer service but I need some help.

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 2020-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates has NOT to date sent me any and all monthly billing statements for my review. 
Portfolio has NOT to date sent me any and all information to review that proves that this debt is mine. 
Portfolio has reported inconsistent and incomplete information on my XXXX, XXXX  and XXXX  credit files regarding this account. 
Please tell me what services were provided on this account to bring the total to current amount. 
Please tell me when this account was opened and what is the date of the first missed payment. 
Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 
Please provide documentation that shows Portfolio is authorized to collect this debt. 
If this information can not be provided for my review, this account should not be reporting on my XXXX, XXXX  and XXXX   credit files. Failure to provide me this information is a violation of my rights. Please either provide the information that I have requested or immediately have this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: MD
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 XXXXR account # XXXX, XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.

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 2022-07-10
Company: EQUIFAX, INC.
State: TN
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:
I have disputed this for to be deleted many times and ask for Equifax to reach out XXXX XXXX, IF THEY DID reach out to them they would know to delete it. 
I have attached a letter from XXXX XXXX XXXX REQUESTING EQUIFAX TO DELETE THIS COLLECTION ITEM. I firmly believe, now even more that Equifax DOES NOT properly do any investigations or do they even respond to customer or collections agency response. 
PLEASE DELETE THIS ITEM. 
XXXX XXXX XXXX Account owner XXXX Account XXXX XXXX XXXX XXXX Date reported XX/XX/2022 Date assigned XX/XX/2022 Account status Unpaid -- - PLEASE SEE THE LETTER THAT XXXX XXXX XXXX HAS SENT TO EQUIFAX, WHICH EQUIFAX HAS IGNORED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted Wells Fargo informing them that I received a copy of my credit report and noticed some unauthorized inquiries made twice for the dates of XX/XX/XXXX and twice on XX/XX/XXXX total of four inquiries all together ... CSR then informed me to fax a letter over to the Credit Bureau Inquiry Department fax XXXX Case number XXXX. I faxed the information requested on XX/XX/XXXX and still haven't been resolved.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX  ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 2016-07-01
Company: Tebo Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several requests to XXXX per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. I have also submitted a complaint via the CFPB, case number XXXX. XXXX responded saying that I owe them money but with none of the documentation required by law including signature bearing contracts. I disputed that response on XXXX XXXX, two moths ago and have received no response. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-23
Company: JPMORGAN CHASE & CO.
State: FL
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/XXXX I called Chase to dispute a transaction of {$12000.00} with a company called XXXX XXXX XXXX. On XX/XX/XXXX, I purchased a license but due to false expectations, and not getting the service of {$12000.00}, I disputed traction with Chase. I spilt the payment into two chase credit cards chase freedom and chase slate. On my chase slate, I was granted the {$6000.00} in my favor, and on My Chase freedom I was not I called back and In XX/XX/XXXX chase had me submit the documentation again because according to them they had not rec 'd documents they denied again because documents were not sent in XXXX and I did but they didn't rec 'd it than on XX/XX/XXXX, I sent documents again for an appeal but they sent out another letter on XX/XX/XXXX, denied. I called again and they said it always be the same outcome because they did not rec 'd the documents in XXXX. It makes no sense that from which credit card I was granted and for the other I was not for both credit cards are the same documents and the same purchase on the same date. It not fair they tell you there is an appeal and there is not one is because the client wants to appeal and regardless it will be the same outcome. it make no sense so there is not appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection account with IQ data international. It has come to my attention that this company has been communicating with my daughter about my account without my permission. They violated my privacy laws and negotiated terms with a third party without my knowledge. I have never given them permission to divulge my personal information to a third party let alone discuss the terms of which. This company also took it upon themselves to unlawfully apply interest to a tenant bond account that did not have a judgement placed prior. These people spoke about my account with a person that had no jurisdiction to do so. This is horrible and I hate to make this public but this had to be said.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was unable to get a fax number from this company to send documents to them. They told me that they dont receive fax. They can only send. Now what kind of business is this? Everyones know if you have a fax number you can receive fax as well as sending faxes. If very unnecessary to lie to people were needing to get something to them. This is our right so why are they denied me this. It just seems like theyre avoid people to get there documents to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
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:
I demand all negative items to be removed not accurate. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system XXXX removed my discover bank I demand Experian transunion to also remove

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 2023-01-23
Company: Experian Information Solutions Inc.
State: NY
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:
The list of account below have violated my Federal Protected Consumer Rights, to privacy and confidentiality under. 15 USC 1681. Which is under the Fair Credit Reporting Act. 

( XXXX  ) ACCOUNT # : XXXX. / ( XXXX XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. / ( XXXX XXXX ) ACCOUNT # : XXXX / ( XXXX XXXX XXXX XXXX ) ACCOUNT # : XXXX. Has violated my rights. 

U.S. Code 1681 Section 602- ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy U.S. Code 1681 Section 604- ( a ) ( 2 ) it also states a consumer reporting agency can not furnish account with out my written instruction U.S. Code 1681 Section 605- ( b ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18 U.S. Code 1681c - ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code 1681s -2 ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 2023-11-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Apple Card holds payments for 7 business days before updating credit limit, despite funds already being withdrawn from bank account. This means that despite paying the credit card on time, there is a 10 day period of not having access to credit on the card. 

Support will not manually release the hold. They advise that the only way to avoid a hold is to pay the credit card balance via Apple Cash and that it will then be adjusted immediately.

I am not sure whether forcing consumers to use Apple Cash for timely release of their credit is legal but it is inconvenient. There is no notification when you make an ACH payment that your credit will not be updated for 7 business days. This is a big annoyance and has resulted multiple times in $ XXXX of credit not being available to me more than a week after submitting an on time payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
During the short period of time I had my checking account with Wells Fargo I believe that I was unfairly charged over draft fees amd t hat my account was unfairly closed and that I was not reimbursed the little bit of money left in my account when the company closed it.

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 2022-07-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. 

Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent you a letter notifying you of improper information appearing in my credit report in violation of FACTA. This letter was sent to you by certified mail, return receipt requested, and was received by you. 
Your failure to respond to my demand for correction of my credit report within 30 days is a violation of FACTA. If I do not receive an appropriate response to my original demand letter within 10 days of the date of this letter, I may, without further notice, report your failure to abide by FACTA to the Federal Trade Commission or take other appropriate action. Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accor- dance with the provisions of FACTA , I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/ XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ACCOUNTS : XXXX I also hereby request, in accordance with the provisions of FACTA , that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an infor- mation block has been requested.

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