BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 i attempted to purchase a pet XXXX cat  through a website that seemed legitimate to me. ( XXXX ) I spoke with a person who went by the name XXXX XXXX about the process of shipping the cat to me and he asked for an initial payment of {$1200.00}, followed by multiple requests from the alleged shipping company for additional payments for shipping and electronic crate rental which i was told would be refunded and never heard back from them. Payments were {$1500.00}, {$500.00}, then {$620.00} totaling {$3800.00} of my hard earned money that i eventually learned i was completely scammed out of. 

These payments were all sent though Zelle on my XXXX  XXXX XXXX app Throughout the process they were giving me detailed information about the cat i was expecting and even asked if Id like to change his name on the certificate. 

Once all payments were sent they completely stopped responding and i didnt hear back from XXXX or the shipping company. 

Once i realized this was a scam i immediately called my Zelle and my bank ( XXXX XXXX XXXXXXXX ) and told them about the situation and they attempted to reach out to the merchant but they were unsuccessful in recovering my funds. 

I really need the CFPBs help in recovering my funds as i worked long hours to earn that money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they sent a debt collection notice in 2015 and I sent them a request for validation all I got from them was a print out name and address and some lab work report that I don't even know for what was that plus that print out didn't even looked legit, I did a search on that turned out to be out of state service that I never received, contacted them for lab documents and blood test or anything that shows they belong to me never heard from them. they hurt my credit and I wasn't even able to get a home loan because of that. 
now 6 years later its still there so I decided to make some effort and pay the {$660.00} out of pocket for something that doesn't belong to me and sent them a letter for full payment in return to get that removed from my credit report yet never heard back from them.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From XXXX, XXXX XXXX Equifax. Its very Concerning that theyve Failed to Notify me within ( 5 ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From XXXX, XXXX XXXX Equifax Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I needed to use my credit and was appalled when I was denied when my credit score was lower than anticipated. I checked my XXXX  records and there was a collection from Portfolio Recovery Associates for {$340.00}. I have never received a call or letter, I do not even know what this is for. This has destroyed an opportunity for me and my family. How could this happen? How could a collection agency be allowed to collect like this? I have no idea what this debt is and it seems they are using applying to people 's credit as a way to collect on debt without notification. This agency needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX  BANKRUPTCY DISMISSED XXXX CHAPTER XXXX  BANKRUPTCY XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX   XXXX {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several time stamped letters to this company requesting my original signed contract that I owe this debt, each time I am just sent back some kind of statement that they claim is mine. Recently when I sent the last request for validation, I received a letter in return that they will no longer be conducting another investigation of my dispute, and stated they will no longer respond to me when the information I have actually requested has not been provided. I would like my original contract binding my signature proving that I owe this debt that they are reporting on my credit. They are also calling from several different numbers on my phone through out the day, Im sure this is a violation of my credit rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX  AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX   XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX: XX/XX/XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XX/XX/XXXXXX/XX/XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XX/XX/XXXX- CARD SERVICE -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-- -- ->Inquiry date -- -- ->XX/XX/XXXX   XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX - XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX  USA  -- -- ->Inquiry XXXX -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX   XXXX -- -- -- >Inquiry date XXXX -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names 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 2023-08-04
Company: EQUIFAX, 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CH-XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect. No contact information. If you are unable to verify the account, the information should be removed from my credit report Thank you for your 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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I believe my information are in someone else hands or was part of a data breach these inquiries dont belong on my credit file and I would like them removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding a Citibank credit card. I routinely schedule my payment for the day before the due date and have been doing so for years. I schedule the payment as soon as I receive the bill, weeks before it is due. Citibank suddenly charged me a {$29.00} late fee, despite their online system showing a credit ( for the scheduled payment ) the day prior to the due date. When I called to complain, I was told that the payment wasn't credited until two days after the scheduled date, despite the fact that Citicard showed a the credit on the day prior to the due date. This seems like a fraudulent way to charge fees to customers.

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Pursuant 15 usc 1681 TransUnion is liable for reporting accurate information on my consumer report. TransUnion continued to give out incomplete and inaccurate information after I requested several times via certified mail to investigate and correct inaccuracies. 
It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW XX/XX/XXXX XXXX, and Richardson v. Fleet, XX/XX/XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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 2023-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase Bank had a promotional offer that when you upgrade your account to a Chase Private Checking ( CPC ) account and maintain a balance of at least {$250000.00} for 90 days, you will receive a cash bonus of {$2000.00}. 

On XX/XX/2022, I walked into a local Chase Bank ( address : XXXX XXXX XXXX, XXXX, CA XXXX ) ( XXXX XXXXXXXX ) to claim this promotional offer. I was assisted by a representative named XXXX XXXX XXXX. He upgraded my regular checking account to a CPC account and instructed me that as long as I have maintained a balance of {$250000.00} in this CPC account for 90 days, I would receive the {$2000.00} cash bonus. I had {$240000.00} at the time of the upgrade so, I was instructed by XXXX to deposit another {$10000.00} to reach that balance. I initiated that deposit the same day with XXXX with a check for {$10000.00}. 

After this transaction, I left the bank and for the next 90 days, I have maintained the balance of {$250000.00} in my CPC account as instructed. A couple weeks after the 90 day period, I looked at my bank activity and noticed that I still had not received the {$2000.00} cash bonus. Since XXXX XXXX XXXX was not available, I walked into a different local Chase Bank on XXXX XXXX and XXXX ( Branch XXXX ) on XX/XX/XXXX to inquire why I have not receive the cash bonus into my account. A rep took a look at my account and notified me the reason why I did not receive the cash bonus was that I had to actually deposit {$250000.00} in new money to the account to satisfy the requirement of the cash bonus. I told the representative that I was not informed at the time that it had to be new money and was misled about the promotional offer. The rep. at XXXX XXXX recommended that I should call XXXX back to see if I can still be entitled to the $ XXXX bonus. 

On XX/XX/XXXX, I called XXXX about the cash bonus and was informed the same thing about having to to be new money deposited into the account to be eligible for the cash bonus. I explained to him that he did not inform me of this at the time and that I feel entitled to the cash bonus since he had misled me on the promotion. XXXX said he will contact his manager to see if his manager can make an exception for me. 

His manager, XXXX XXXX, called me back and informed me again that I had misinterpret the promotional offer. I expressed and that I was misguided and that I am still entitled to the {$2000.00} bonus. He informed me that he does not have the power to make an exception and, per my request, he had submitted a ticket to escalate my situation to higher management to see if can get the credit. On XX/XX/XXXX, XXXX called and left me a voicemail stating that higher management has determined they are still not granting me the {$2000.00} as it does not follow the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
My Macy 's account was closed and charged-off. Macy 's kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, Macys ( Citi ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

Macy 's ( Citi ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
XXXX shows FP for this account every month which means Failed to Pay. On another screen in XXXX it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from Macys, Citi or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.

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