BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found a puppy for sale online. 
I asked them lots of questions including name and contact info. 
I spoke to the person on the phone, exchanged many emails detailing the contract. 
A contract was signed and we agreed to send the individual {$700.00}. 

We sent the individual the payment in full through XXXX directly from the Chase Mobile app. The individual confirmed that they got the payment and even followed up with asking for us to pay for a " COVID Crate '' for the puppy to travel in on the flight. I then googled this COVID Crate and found that this is a common scam. I asked for a refund and called the person who then denied to give us a refund and admitted that it was a scam. 

When I reached out to XXXX, I was directed to go through Chase to dispute the transaction. 
When reached out to Chase I was told that this type of transaction is not protected and that I the only thing that could be done is ask for a " Courtesy Refund '' which basically requests a payment reversal through XXXX, but the scammer has no obligation to accept. 

It was unbelievable to me that a company ( XXXX ) who uses banks to track these transactions are not willing to track down and persecute known fraud or even offer any assistance to me. This should be defined more clearly through the XXXX app and warnings should be issued when sending money to a new contact - instead the money was transferred instantly and is now gone forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with SLS was service released. I never received any notification from either SLS or the new servicer. Now my payment is late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
I submitted a complaint last XX/XX/ and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2018-05-04
Company: TD BANK US HOLDING COMPANY
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was tricked by XXXX and TD Bank to create a XXXX financing application for obscured reasons. 
Following my application on XXXX, TD Bank issued me a credit card that is not acceptable anywhere including on XXXX where the application is forced to customers. When I tried using the account, XXXX declined the transaction and requested me to use another credit card. I asked : Why was I requested to provide my Social Security Number to create this account? The company never responded to my request. Soon after, I filed a complain against TD Bank. A Credit Team Manager named XXXX XXXX XXXX called me on XX/XX/XXXX claiming that it was merely a technical issue. She promised that everything will be taken care off. As of right now, my emails have been been flagged by TD Bank and I can't communicate with anyone. Similarly, the company, XXXX, is complicit of of the problem and also flagged my emails to the point that I can't communicate with anyone. 

I am saddened and devastated to know how these companies can betray customers like me just to fill their books. My personal information was obtained to create a credit card account that I have no idea what it was/is for. My credit score was altered and I now have a fictitious account on my file. I am certainly sure that many other people were tricked the same way. I claim this because a XXXX representative told me onXX/XX/XXXXthat I was not the only person complaining about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank, have not deposit my money in account from child support! I get get every week, and they have not put my money in my account A Manager name XXXX I talk to and I still have not received my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In pursuant to 15 usc 1581 b. Report was furnished without having my written consent. which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CORELOGIC INC
State: OH
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX XXXX  XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX XXXX XXXX BAL {XXXX}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, 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 2022-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/XXXX I opened an account with XXXX, XXXX for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now XXXX is still reporting a balance and collection or negative account to all three credit agency 's. I have filed XXXX disputes through Experian and XXXX is knowingly providing false information.

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 2022-10-16
Company: EQUIFAX, INC.
State: DC
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 DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION, I DID NOT GIVE YOU EQUIFAX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently reviewed my credit report to find I had 1 account in collections for an old hospital visit. The collection agency is First Federal Credit Control and the amount owed was {$700.00}. I never received any statement or invoice in the mail or email from them. 

I immediately called this company to see how I could take care of this bill to remove it from my credit report. I spoke with XXXX XXXX on XX/XX/2020. He proceeded to tell me that I could not pay less than the {$700.00} because the hospital could not take less than that. He also told me there were several other accounts in collections with them that had smaller amounts that were also affecting my credit score.

After researching, the accounts that I paid off that day ( for a total amount of {$450.00} ) were not on my credit report, and the only outstanding balance in collections is still the {$700.00}. 

I called again today ( XX/XX/2020 ) to ask if I could pay off the account. I spoke with XXXX XXXX. I first let her know that XXXX had lied to me on my call with him about the accounts and how he gave me incorrect advise. She immediately began speaking over me, berating anything I tried to say, and would not let me get a word in. 

This company is is very abusive to callers, lying to consumers, and are rude to the point of me having to hang up because I could not finish a sentence. This company has extremely unfair practices of getting consumers to believe they are in deep trouble because off too many accounts impacting credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-21
Company: Experian Information Solutions Inc.
State: IL
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account Number # XXXX has violated my rights. 
XXXX XXXX Account Number # XXXX has violated my rights XXXX Account Number # 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 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 reports by more then seven years.

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 2023-05-10
Company: WLCC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$500.00} and with interest I would pay {$550.00} and if I was late a late fee. I have been in contact with this company throughout the process and now they are telling me I owe them {$1800.00} on a {$500.00} loan. I researched about this company and others have complained about unfair business practices and untold/unseen interest charges. This is going to force me to look into options of bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process of refinancing my house with Loan Depot, at the time of the application it was clearly communicated to the the loan officer XXXX XXXX that I have an existing second mortgage on my house, the loan officer assured me that the loan refinance process will be completed in 45 days and he locked me on a 45 day rate lock. A rate of 3.00 % was locked in with a lender credit of {$2000.00}. To my surprise 25-30 days into the loan I received an email from the loan processor stating that the company does not do subordinations and will not be able to process my loan, at this point my loan was escalated to XXXX XXXX manager for the loan officer who assured me that they will be able to do subordinations and will get my loan processed with in aforementioned timeframe. A little over two months passed by and finally loan depot was able to receive the subordination. But by this time loan depot was charging me multiple rate lock extensions even though there was no delay from my side in providing any documentation. At this point I came to the realization that loan depot was duping the unknowing customers by locking them in on short term locks and charging then unnecessary fees for rate lock extensions. At this point I escalated the issue with multiple people on multiple levels with no communication, realizing that no one was communicating back with me because I was a person of XXXX and they could take advantage of a person of XXXX. On multiple levels I was assured that some one look into the matter but because I was a person of XXXX and no one thought that my loan mattered I was passed on from one person to another. Finally after hundreds of escalations I was assured that all the extension fees would be removed and my lender credit of {$2000.00} would restored. This morning I received that my final closing disclosures and realized that loan depot did not keep their promise and shrank my lender credit to {$630.00}. At this point I find that even though Loan Depot and its manager might not be overtly discriminatory but for sure are providing disparate treatment to people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX I opened a secured flex line of credit with 5/3 Bank using my MM Savings Account ending in XXXX as cash collateral in the amount of {$5000.00}. I went to a 5/3 Branch and closed my secured flex line account on XX/XX/XXXX. As of XX/XX/XXXX i was no longer able to transact on that account. Since the account was closed with a {$0.00} balance the bank is to release my funds off hold in the MM Savings account ending in XXXX, making my available balance back to the {$5000.00} that was on deposit. I have contacted the bank several times and they wont give me back my funds and wont give me any time lines of when it will be available. They are hindering me from using my funds and to make purchases as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-05-10
Company: Resurgent Capital Services L.P.
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:
LVNV FNDING LLC is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my XXXX  consumer report on XX/XX/23 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Porania, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, there are two bankruptcy judgments on my account with the wrong amount an information. There are also XXXX XXXXXXXX inquirys on my credit report. Please help me. My identification card an social has been posted all over the internet an people have been using my information

Company response to consumer: Untimely response
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation