BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXXXXXX 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, In accordance with Fair Credit Reporting act XXXX  account # XXXX has violated my right 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 instruction.I sent a letter to Experian, XXXX, XXXX, on XXXX its been well over 30 days i still have not received anything back according to 15 USC 1681 ( a ) (! ) ( A ) Experion, XXXX and XXXX have 30 days to respond to my dispute This is a violation of my right. According to 15 USC 1681. I have the right to privacy and i did not give XXXX, XXXX, Experian written permission to furnish these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I have asked US Bank to generate a payoff statement for a judgment they filed in XXXX on a credit card with the number XXXX XXXX XXXX XXXX. 

I have been trying for many weeks to complete the sale of two properties. The title company has been forced to delay the closing over and over because US Bank will not respond to repeated requests for the payoff statement ( that they need to add to the closing statement ). 

The title company is telling me that the buyer ( who has been very patient during all these delays ) does not want to continue extending the closing every two weeks and may cancel the contract rather than extend the sale date again. 

So I may lose the buyer that I have for the two properties. That poses a dire hardship for me. I asked the tenants in both properties to vacate in XXXX so the properties could be sold in XXXX. Because US Bank will not send the payoff statement to the title company, I have been forced to pay all expenses for these properties ( mortgage, condo dues, real estate taxes, utilities month by month while waiting for the bank to generate the statement. 

The matter is extremely simple : This credit card debt was included in a Chapter XXXX case filed XX/XX/XXXX. The debt was included in Schedule F ( the pot of money to be shared among the unsecured debtors ). 

The plan specified that I was to pay US Bank 24 quarterly payments of {$43.00} each. However, only 10 payments were made back in XXXX and XXXX. I think the bank is owed an additional 14 payments totaling {$600.00}. I am wanting US Bank to send the payoff amount to the title company so I can close on these properties this month. 

My bankruptcy attorney XXXX XXXX sent the Chapter XXXX plan to management staff in the bankruptcy division at US Bank. He included the Schedule F listing US Bank as an unsecured creditor. He also sent the coupon signed by US Bank in early XXXX indicating that the bank would agree accept its share of the " pot of money '' to be shared by unsecured creditors. 

I have to make some decisions about what to do with the properties if US Bank decides NOT to acknowledge the Chapter XXXX nor the coupon. I have had many, many conversations with bank staff but can not obtain a payoff statement. 

Please reach out to the legal counsel at US Bank and ask an attorney there to help on this matter. 

I also need guidance on how to get some reimbursement.for my losses. 

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 2023-03-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, my name is XXXX. Today, I feel really sad and worried about the situation with my PayPal account. 

Today I received the bad news that my account has been permanently limited ( XXXX ). 

It's the first time I've had this situation. because I never used PayPal before. 

I use PayPal in a good way. 
I received payment from my job into my PayPal account because PayPal is the best company for receiving money safely. 

I always keep my account in good standing. 
I've never been in a fight or engaged in any other dangerous activity. 

My email address associated with my account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have ask Transunion several times to remove a credit freeze off my credit report. And they still have yet to do so. I can not handle any business or receive any credit due to this issue I have call on three different occasions and tried over the phone and online XX/XX/19 XX/XX/19 XX/XX/19 could someone please help me resolve this issue

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 2023-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with XXXX XXXX XXXX XXXX 

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was hospitalized at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended hospitalization. 

I became aware that I was entitled to attest to financial hardship during the XXXX emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the XXXX Emergency. 

Up until the medical emergency, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.

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 2022-05-22
Company: Experian Information Solutions 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: 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. 
XXXX  Account # 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 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 explanation
Consumer complaint received 2021-10-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
After 18 years of good relationship with this company I was unable to get a satisfactory answer as to why my credit limit was reduced from {$26000.00} to {$500.00}. So I've attempted to cancel the credit card. I'm tired of getting cut off, shuttled around, and waiting endlessly on hold. 
This is ongoing and there is no money owed to either party to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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:
on XX/XX/2020 I started a dispute regarding to incorrect information been report on my credit report with follow up letters none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!

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 2023-11-22
Company: Army and Air Force Exchange Service
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an Inaccurate inconsistent payment history reporting for this account. Ive attached a screenshot of the payment history for your records. Ive sent in disputes by mail to this company, they have not responded to any of my letters. Per FCRA, this is a violation of reporting false unverified information. This account is paid and closed and should not be reporting as a collection account for the month of XX/XX/2019. How is it that the last payment date in this account was XX/XX/2019, yet it was in collections XX/XX/2019? So it went from being paid to in collections in 30 days? Please remove from my credit report. This account hasnt been verified and has inconsistencies.

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 2022-05-22
Company: EQUIFAX, 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: 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. 
XXXX Account # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: CT
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 called XXXX XXXX to pay my bill even though I was expecting a credit from overstock commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was in a XXXX XXXXXXXX bankruptcy which just concluded. During the last 7 years I made payments totaling about {$80000.00} to Navient. The checks were all cashed but never applied to my account. I have made 3 separate requests to Navient to resolve this matter including providing written proof of payments to them showing their checks were cashed by them. My first request was not responded to. When I called I was told they could not read my documents I submitted. My second request was then escalated by a call center agent. Response received was a letter showing me the payments that were applied which did not include the payments I made. I already understand what Navient has applied to my account I need someone to take this seriously and actually do some research as to where the money had been applied. My 3rd request was resubmitting the documents showing my payments. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: JPMORGAN CHASE & CO.
State: NV
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:
Hello. I opened my Chase Sapphire Reserve card in XX/XX/2018. My yearly membership fee of {$450.00} plus a {$75.00} fee for an authorized user was charged on XX/XX/XXXX. Before that fee was charged Chase decided to close my account, and at the time promised to refund my fee ( see attached email ). 

Why would Chase close my account and keep all of my yearly fee? I used the card as intended but Chase decided to close it for some reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I received a notification that a new collections from Southwest Recovery Services was reported on my credit report. The collections is for a utility bill with XXXX XXXX XXXX for {$1100.00}. My credit report shows that the account was opened on XX/XX/2023 and it is associated with an address I never had before. This collections has caused my credit score to drop and th9i9s must be deleted from my credit report as soon as possible. I have disputed this with XXXX directly. I have filed a police report with my local police department, as well as with the FTC. A fraud alert was placed on my credit report in XX/XX/2023 due to another cause of identity fraud.

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 2022-02-10
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: Information belongs to someone else

Complaint:
Multiple Accounts and inquiries on my credit report I do not recognize

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 2023-09-28
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The medical debt was covered by XXXX. I have insurance and I provided the information to the hospital

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 2023-09-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/, I had opened an online checking account. I received a federal treasury check for my XXXX in the amount of {$8600.00}. This was the same day when BMO restricted access to my account. I called the BMO customer service asked them why a restriction on my account when I did a mobile deposit. I was told by customer service that I do have a daily amount of {$25000.00}, and no monthly limits. I was informed that the account is on freeze due to a fraudulent deposit. The fraud team is doing an investigation, and it will take 14 days, and someone will get back to you. 

I was told that they do have 14 business days to let the Fraud Department investigate this check and see if this is a real check, once this is cleared then my account will be reinstated, and I will have access to the account. I was questioned with how did i get this check and why do I have this check and what is this check for? I did answer all the questions they asked, and it was logged in my BMO case. On XX/XX/, call and spoke with CSR and they too were shocked to see that there was no update on my case and the account is still restricted. The CSR who helped me did send an email to both the Manger and the analyst who is working on the case. 

It is now XXXX XXXX, XXXX, I called, and they kept telling me that I do need to go to a branch to verify my identity so the Fraud Department can then help me further. I had to go to the branch 2x today, to have nothing done. Spoke with the fraude team they said she will email the following to her supervisor, the analyst who is working on my case, as well as his supervisor. This will be the 2nd time an email has been sent out to both analyst and his supervisor with no response as stated from the 1st email that was sent on XX/XX/. 

I also have attached a copy of the email i received from the bank which i will attached here as well

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