BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: KY
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:
The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated as soon as possible for they are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-03
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello and thank you for your consideration. I have a Chase credit card that I have been using for at least 10 years. I have plenty of credit on the card with an outstanding balance of app. {$5500.00}. I have been paying more than TWICE the minimum to clear up this balance. Along comes the Coronavirus and my employment stopped. I work for XXXX/XXXX XXXX XXXX XXXX travelling throughout the country keeping the XXXX  XXXX  XXXX  and XXXX. The program shut down and I havent worked since XXXX. Things are very tight so I called Chase on XX/XX/XXXX and spoke with XXXX who said that I could skip XX/XX/XXXX payment ( due date ). I thanked her and asked about going forward after that date. She said to call again and that they would be able to help me after the next bill is generated. I wnr an email to Chase thanking them and outlining my call to XXXX. In my email I told them of my situation and asked what they could do for me. Their response was that I was to pay the minimum amount!!! Apparently there is nothing more that they will do for me. Paying the minimum amount has ALWAYS been " the rule ''! Once we are up and flying again my job will return. At that point I could pay THREE times the minimum amount. I just dont know how long we will be laid off. Its my only income and I am stuck. I can not make these payments. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon the termination of my lease, XXXX XXXX XXXX sent me a deposit invoice with a final bill in the amount of {$6700.00}. I initially contacted them to dispute that I was not the only lessee on the contract and that my co-lessee should be responsible for half the bill. I then received a bill from the collection agency Hunter Warfield for an unpaid debt in the amount of {$8800.00}. I attempted to contact both XXXX XXXX XXXX and Hunter Warfield to inquire as to the nature of the discrepancy in price. The property services told me to refer back to my deposit invoice and refused to correct the information. I am disputing the amount owed on the grounds that I am not the only lessee, as well as incorrect debt amounts, and would like this removed 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 explanation
Consumer complaint received 2020-04-03
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Barclays has tried twice to fraudulently open account in my name. Without my permission or knowledge, I believe the Barclays is intentionally trying to open accounts in peoples names without their knowledge to expand their business just like XXXX XXXX did. 

Secondly, XXXX XXXX sent me a letter dated XX/XX/2022 stating that they would delete or suppress information regarding a credit pull in my name, and they still have not taken the credit pull off of my credit report even after numerous phone calls to Barclays they still have not done anything to remove the credit pull from my report. They only have 30 days to remove the credit pull and its been over a year.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-12
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my property in XXXX XXXX Texas on XX/XX/2020. The current Lienholder was paid in full and as of today has yet to file a release of lien with XXXX XXXX Texas or send me a copy of the release so I can file it myself. I have made over 20 phone calls about this and have had zero resolution. My loan number is XXXX and the NMLS for LoanCare is 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 2023-04-21
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX my husband I put XXXX  checks in the mail, XXXX  to the US Treasury Department for {$21000.00}, XXXX  to the XXXX  XXXX XXXX XXXX for {$7000.00}. These checks were intended as payment on our estimated taxes due in XXXX as a result of a real estate sale in XXXX of XXXX. Both pieces of mail were stolen from USPS postal boxes , and washed, then cashed. Unfortunately, since these checks were intended to pay toward our XXXX taxes and we had not officially filed the taxes yet, the XXXX  Government agencies were not expecting the checks, thus we were not made aware that the checks did not make it to the proper destinations. We utilize the paperless statement option, highly encouraged by the bank, and only saw that the checks cleared for the amounts we had written them for. Unfortunately, it wasnt until we were preparing our taxes in XXXX of XXXX that we realized what had happened. 

On XX/XX/XXXX we visited the UMB XXXX branch and filled out paperwork to initiate a fraud investigation. We made police reports and reported the theft to the US Postal Service as directed by the bank. We were told the process usually takes XXXX days. After waiting XXXX weeks, with very little contact or updates, we reached out to a vice-president at UMB. She directed us to the UMB XXXX branch manager who stepped in to follow-up on the situation. After a week of emails and phone conversations we were told that the claim has been denied because of the length of time between the checks being stolen and cashed, and our reporting it to UMB, a XXXX month period. We have been clients of the bank for XXXX  years with multiple accounts, both personal and business. UMB should have worked harder to recover our money. 
We were just advised on Tuesday that the check intended for the Department of Treasury was cleared through XXXX XXXX XXXX and the check to the XXXX  XXXX  XXXX XXXX cleared through XXXX XXXX. The UMB bank representative indicated that they had not yet contacted the banks since the date in reporting was beyond their guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collections is not from original creditor. I do not owe FirstPoint Collection Resources , Inc. at XXXX XXXX XXXX, XXXX, NC XXXX any amount. They may allege I owe the {$1100.00} the sum of {$470.00}, {$330.00}, {$300.00}. I never heard of FirstPoint Collection Resources , Inc.. I never did a contract with them. I ask them how they got my private information without permissible purpose from the consumer. I ask them valid questions regarding this alleged debt. They have not responded with any valid information. They have willfully report, reported, and continue to report inaccurate and incomplete information and are in violation of 1692g ( b ) & 1692e ( b ). They have removed two of the alleged collections {$470.00} and {$300.00} yet one {$330.00} still remains. The removal of this information is proof that I don't owe them anything as these alleged debts. I have suffered emotional and financially because of this situation. I am hurting and XXXX I need help because they won't remove it. My credit suffers from this! This has been going on for months. I have suffered deeply from this and the covid-19 pandemic as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX : {$0.00}.

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 2023-04-21
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:
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. 


Account name XXXX XXXX OF XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : FAMILY LA CO Account XXXX has violated my rights. Or list of inquiries 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 2022-04-14
Company: Upgrade, Inc.
State: AZ
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:
My wallet and phone was stolen they took out a loan in my name also deposit a fraudulent a check in the account which closed and spent money on my upgrade card this all happened around XXXX XXXX XX/XX/2021 / upgrade card XXXX XXXX loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission

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 2020-06-26
Company: Experian Information Solutions Inc.
State: AR
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:
Disputed this account so many times. Companys response is that it was verified through reporting agencies. Thats not the law, the law says you have to provide me with MY signature To validate this is my account, which I have never received a verifiable contract with my name on it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 2023-03-09
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX has violated my rights 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 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 2022-04-14
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Around XX/XX/2022, I called UMB Bank attempting to close my account. I was told the account closure process over the phone usually takes a few days to process and mail a check to my address. I was in no rush for the funds, which totaled somewhere around {$800.00} and {$1000.00}. Before my account was to be closed, I informed the phone representative of a new address not on file with UMB. 

Knowing our current mail system, I was informed 7-10 business days for receiving a check. 

Around XX/XX/2022, I've yet to receive the check, but I actually received my final statement showing my account was closed. It was addressed to my old address but was forwarded to my new address since I changed my address with the post office. Finding that odd, I called UMB asking where my check was mailed to since it would've made more sense to receive the check before the final statement. I was assured that despite my statement going to the old address, that the check was addressed correctly to my new. I was told to give it another week. 

A week later, still with no check, I called and was now told it went to the old address but was still not cashed. Was told to wait another week. 

Called again a week later, now being told it went to the new address. I was now told that since it was a cashier 's check, I have to wait 90 days before I could have the check reissued. Knowing my hands are tied, I confirmed the exact date I would be eligible and was told XX/XX/2022 which was more than 90 days from when I initially requested to close my account. Again, hands tied. 

Now, XX/XX/2022, I call and the representative I spoke with gave the impression it went to the old address. Regardless, it doesn't matter since it should now be eligible for reissue. I'm now getting the " runaround '' as they try to find this check. Again, it shouldn't matter at this point. I stressed that I would like to come to an office to pick up a check, in fear of this happening again. I was informed that since my account was closed over the phone, I only could receive a check via mail. I find this completely unacceptable and my request is 100 % reasonable because a cashier check is drawn off an institution account so whether I receive a check via mail or in-person should not matter at all. They have been holding my money for months with different representaives giving different answers all along this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, XXXX 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. My legal rights have been violated. 
Due to this violation this account must be removed 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 explanation