BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft and I need help because my credit has really been affected. I hav

e been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-05-21
Company: Experian Information Solutions Inc.
State: PA
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:
fictitious nomen and mailing location and accounts not associated to social security nor did I give any authorization

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 2022-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Complaint for Chase Credit Card XXXX XXXX Department XXXX XXXX XXXX ) ) Transaction Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Transaction Amount {$6000.00}, XXXX XXXX canceled the reservation XXXX XXXX ) on XX/XX/XXXX I am writing to complain Chase Credit Card unfair action and caused my loss of {$6000.00}. The charge was originally reported by me as a fraud claim back on XX/XX/XXXX, for {$6000.00} charged by XXXX XXXX ( XXXX ). 
On XXXX, I noticed the amount was charged on my credit card again. I called Chase credit card fraud department, and I was told to talk to the merchandise. I called the merchandise, and I was told the package was cancelled on XX/XX/XXXX and I should speak to my credit card company for the credit. I spoke to the XXXX Department supervisor XXXX. On XX/XX/XXXX, I was told that XXXX was able to get the refund {$6000.00} successfully and I should expect the credit in the next billing cycle. Until now, I have not received any credit for the transaction. 
I called on XXXX again and I was told I should expect to receive my credit back soon. I waited till XXXX and still not got any credit for the refund. I called on XX/XX/XXXX, this time I was told to send a dispute letter with the evidence of the merchandises agreement on the cancellation of the package. On XX/XX/XXXX, I called again, and I was told the case was closed and dispute was rejected due to the dispute window was over 60 days. 
I spoke to Dispute supervisor XXXX. He suggested I should submit a dispute letter again so this request can be investigated again. 
From XXXX to XXXX, I have called more than ten times regarding this refund, and I was directed and redirected to different departments. The entire process was totally confused and no one in Chase credit card can give a clear direction on what I should do. The reason the dispute window passed was due to the Fraud department gave the incorrect information that the dispute was successful and the unclear process. The Fraud department should be responsible for this. I have been doing what I was told to do. 
I would take legal action to file a formal complaint to chase credit card. 
I really need your help to get my credit back since I have paid the {$6000.00} to Chase but I did not receive any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In response to complaint XXXX PayPal made explicit that 1. PayPal permits buyers to send business payments ( with payment protection ) without including a description 2. If a description is not included in a business payment, PayPal will resolve disputes ( even obviously fraudulent ones ) in favor of the buyer, without requiring any evidence. 

This creates an obvious problem where PayPal actively participates in enabling fraud to occur, facilitating payments for services that it then guarantees it will refund to the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am still having an issue opening up a Chase Bank checking and savings account online at account.chase.com and at local Chase Bank branch due to the fraudulent checking and savings account that was opened in my name due to identity theft. Chase approved my Identity Theft Claim on XX/XX/XXXX, but I am still not able to open up a Chase checking or savings account online at account.chase.com or at a local Chase branch. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: FL
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 Account XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXk XXXX XXXX, City of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX 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 explanation
Consumer complaint received 2023-12-13
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX A Collection From National Credit Systems Was Added To My Account In Collections For XXXX XXXX XXXX In The Amount Of {$1100.00} Ive Spoken To Someone From XXXX XXXX XXXX XXXX Came Up With An Agreement For A Settlement In The Amount Of {$800.00} & That Settlement Was Paid On XX/XX/XXXX As Time Went By I Disputed The Collection Because I Didnt Want It To Show On My Report On XXXX Of XXXX The Same Month They Put It Back Into Collections As If I Owe Them Still I Have Proof Of Payment & When Payment Was Made I Also Have Confirmation From There End

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 around XXXX XXXX I tried to deposit cash into a Navy Federal ATM. 

This was at an offsite Navy Federal ATM. 
{$540.00} was deposited into the machine and the matched stopped working. It went down and displayed an error message. The money did not come back out and no receipt was printed. 

Navy Federal manager XXXX said they ran an audit and do not show any such deposits made at this machine and no discrepancies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Chime Financial Inc
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:
I have a couple unauthorized charged from XXXX I do not have a XXXX account you can verify that with XXXX I filed a dispute with Chime XXXX on XX/XX/XXXX by XXXX they claimed they investigated and denied a claim I was told is gon na take 90 days I don't know how you can investigate and complete fraud claim in 2 to 3 hours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS 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 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a letter from XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a Federal Perkins Loan. 

I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. I XXXX from XXXX XXXX University in XXXX and my memory is that my student loans have been paid. 

I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years. 

If by XXXX records the last axctivity was in XXXX, then this is 30 years old and should not be reprted on my credit. I called XXXX today and they advised that they will not stop reporting and will do nothing about it. 

Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.

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 2023-12-13
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, I'm contacting you with regards to my enter actions via phone with the debt collector and as well as the discussions on how to resolve the debt collection that was first time brought up to my attention via mail.I received a letter from the Iq Data Collection company on XX/XX/2023 .After reviewing the letter I called the Iq Data Collection company and disputed the amount based mentioned in the letter.Despite my respond to the letter before the due date which is XX/XX/2023 I was informed of being reported to the Credit Bureau which has cost me a tremendous damage on my move to my new resident.Up on attempting to resolve the issue of being reported to the Credit Bureau and providing proof of being wrongfully accused of bill collection by the original creditor I spoke to XXXX XXXX who is the representative for the Iq Date Collection who not only consider my concern being reported to the Credit Bureau before the due date on the letter from the Iq Data Collection company I was refused to speaking with a supervisor.Today XX/XX/2023 for the third time I attempted to provide proof of wrong fully accused of bill, reported to the credit bureau XXXX refused to speaking with a supervisor I was also provoked by questions such if I was making threats when clearly I said that the agent was not going to get away with refusing me speaking to a supervisor and the agent getting corrected for violating the policy of Iq Data collection company for the above violations.I 'm asking to please look into this complaints as I'm not able to reach anyone else to address my issue in the Iq Data collection company.Notice please that I have made three attempts and my rights are violated by being reported to the credit bureau before the due date of the letter, refused to speak to a supervisor level and was being provoked for falleselly questioning me of making threats not to mention that I'm being accused of the bill wrongfully and reported to the Iq data collection company which I have proof for being wrong fully accused of bill.I would greatly appreciate your concern and assistance, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
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: Credit inquiries on your report that you don't recognize

Complaint:
there are fraudulent inquiries on my credit report that needs to be deleted, ive sent transunion a dispute letter along with my ftc report on XX/XX/XXXX to have these inquires deleted they responded and said that it came from a third party. i did hire anyone or use anyone to send or make letters on my behalf. that being said i want these fraudulent inquires deleted now. 
XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX. XXXX XXXX XXXX Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX Bank ) XX/XX/2022 XXXX. XXXX XXXXXXXX XXXX ( Bank ) XX/XX/2022 XXXX. XXXX XXXX XXXX Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 2022

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 2022-11-08
Company: Resurgent Capital Services L.P.
State: FL
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:
The enterprise member, " XXXX '' threated me ( XXXX XXXX ) consumer that my credit would be damaged in CFPB Complaint ID XXXX. I am intimidated and in fear of my life. Additionally, my credit is my reputation which the enterprise is seeking to ruin. I have been suffering from mental and emotional XXXX  and XXXX ever since XXXX shared such DEVESTATED news. 
I am currently seeking XXXX XXXX XXXX  to help me with my mental and emotional stress caused by LVNV Funding LLC, Resurgent Capital Services L.P.,, Resurgent Receivables LLC.

This shall be unlawful to cause such acts. May my Holy Father GOD arise against you evil doers according to the Holy Bible. LVNV Funding LLC violated my GOD giving rights.

" Contend, O LORD, with those who contend with me ; fight against those who fight against me!

Take hold of shield and buckler and rise for my help!

Draw the spear and javelin against my pursuers!

Say to my soul " I AM YOUR SALVATION! '' Let them be put to shame and dishonor who seek after my life!

Let them be turned back and disappointed who devise evil against me! 
XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 p

rivacy. 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 2022-11-08
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is a continuation of the previous complaint - # XXXX. I have been working with Louisiana Housing Corporation via their LA HAF program since XX/XX/2022 to bring my mortgage payment current since I have been affected by COVID-19 as a long hauler. PHH has on numerous occasions in recent months ( XXXX - present ) confirmed that my account had been referred to their HAF Department. The state of Louisiana submitted a payment for to cover the reinstatement amount. On XX/XX/2022, PHH HAF confirmed receipt of the payment and requested to return the LA HAF 's payment of {$8700.00} back to them because the state did not send them a referral that indicated that I was on their HAF Program. This information was provided to me by an Escalation Manager named XXXX ID # XXXX ( Phone # XXXX ext XXXX - Escalation Department ). In PHH 's response to my previous CFB complaint related to this matter they indicated, " On XX/XX/2022, the State sent us another HAF notification and requested an updated status of the account. However, the request did not include a Third-Party Authorization ( TPA ) form that is needed before we can provide the requested information. We have advised the State to resend the HAF notification along with a valid TPA. Please note, that HAF is a state program and any concerns or questions you may have about the program should be addressed directly to the State. In case the State requires our assistance or needs any information, we will gladly respond as long as they provide the needed documentation so that we can release information about the account. '' LA HAF sent a letter requesting a status update on my account for the second time on XX/XX/2022. I personally provided third party authorization to PHH on XX/XX/2022 authorizing them to speak with LA HAF and it's representatives per the guidance that their representative XXXX provided me on XX/XX/2022. I confirmed during numerous conversations afterwards with many different agents that this TPA remained on my account. 

No one at PHH clearly understands why the PHH HAF Department wants to return the payment that LA HAF has sent. The Escalation Manager is confused and says he needs 5 business days to investigate. What is the problem?

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 2021-03-11
Company: Affirm Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a confirmed ID Theft victim and someone used my name to open up fraudulent accounts with a Affirm Inc. ( XXXX XXXX  ) .There are two accounts on my credit report that do not belong to me nor are they associated with my identity. I have no knowledge of these accounts at Affirm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation