BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: Diversified Adjustment Service, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Adjustment Service, Inc. ( hereinafter DAS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. DAS lacks a bonafide and meaningful relationship with me, meaning DAS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by DAS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, DAS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, DAS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that DAS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from DAS, I was able to mail them a notice of dispute more than 30 days ago, and requested that DAS provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that DAS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that DAS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2021 I received a {$22000.00} XXXX loan deposit to my Capital one bank account, Capital ONe bank refused to give it to me, and they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment of {$600.00} through XXXX with my checking account at Chase which turned out to be a scam. The seller never send me the merchandise ( electronic concert ticket ). 
I called Chase in about 30mins after I made the transaction, while both the bank transaction and XXXX transaction were still in pending status. The first Chase representitve on call promised me a temporary refund of {$600.00} on my account but later when I made another call they refused that which confused me. Chase said they would investigate into it but the refund would not be guaranteed. 

Amount : {$600.00} Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a XXXX XXXX XXXX XXXX into the United States on XX/XX/2023, I entered with my legal status on my passport. On Saturday XX/XX/2023, I was at the bank at XXXX to request please open an account the teller Director of the branch bank, told me that it was impossible to open because it takes over 45 minutes and she did not have time to open. She said the better way was to do an appointment or to come back on Monday morning. I went to the branch today XX/XX/2023 at XXXX XXXX XXXX XXXX after half an hour waiting the director ask me for my documentation. I showed her the required documentation, and she said it was not possible to open because I did not have the green card. I bring with me, my green card my social security document and evidence of the residence and she decided that my evidence on the passport as legal permanent resident was not my green card, and explained to her that my legal status is permanent resident and she decided to said, I do not know about this green card, she said I have to wait because she needed to call somebody else by phone. She started to see other clients and after been waiting almost two hours I have to leave the place, and she run after me outside of the bank and she said she will not open my account without any explanation. I believe she is a XXXX person, the ignorance of those managers who do not know how is the green card is astonishing, which seemed impossible to me I felt discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
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:
There are 2 hard inquiries on my Equifax credit report that I do not recognize or authorize! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Shellpoint has changed the amount owed going back and now adding a month that was never mentioned nor was communicated within any of the emails nor verbally communication by any of the individuals that contacted us. As of Monday XX/XX/XXXX another lady called and stated that she is now going back and adding XXXX because XXXX says they can't find any proof and if we can't find any or provide any she's adding on an additional XXXX to the amount now due. This lady refused to listed to what had already been discussed and stated that none of the recordings mean anything and that she is adding back the fee 's and penalties and that we now need to pay it. She continued to over talk me stating that this is an attempt to collect an debt. They have taken payments sent in and notated them towards payments that was already paid. Example, she took the XXXX postal money order that they said they haven't received and now she is stating they have received it and applied it to an XX/XX/XXXX payment that we already made and wasn't in question. I'm trying to understand how she is stating that we didn't make XXXX but she has XXXX this makes no since. Not only that, All communication was in regards to when Shellpoint took over which is according to them was XX/XX/XXXX how are we now saying XXXX when this was resolved by XXXX now Shellpoint is stating we contacted them and they said add XXXX. 

What rights do we have to choose a mortgage lender and how do you file an class action law suite and go higher with a complaint because this company is just as messy and unprofessional as XXXX and it's just the matter of time before they are filing bankruptcy as well and once again it's the customers suffering. These people are scamming hard working citizens and it needs to stop.

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 2023-05-29
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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've notified XXXX, XXXX, and Transunion via written notice in accordance with 15 U.S.C. 1681 b 2 to remove all the fraudulent inquiries from my consumer report. XXXX, XXXX, and Transunion have a blatant disregard for the law as they are failing to report what relates directly to me per my written instructions and right. I have also reached out via telephone and never reach a representative. There are currently 13 inquiries shown on XXXX, a collection from XXXX XXXX who I've never contracted with, and 2 closed accounts from XXXX XXXX and XXXX. XXXX is fraudulently reporting 17 closed accounts, 2 collections from XXXX XXXX and XXXX XXXX XXXX, and an inquiry form XXXX XXXX that need to be removed per my written instruction and in accordance with 15 U.S.C. 1681 b 2. Transunion is reporting 11 closed accounts and 3 inquiries. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man. These are all corporations who can not verify or speak for me the natural person. I am not in contract with any of them nor have I ever been. I would love for this to be taken care of immediately or i will start the administrative process as it is clear to me 2 or more corporations are conspiring against natural man.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: AZ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The information being reported for the accounts are completely incorrect, so how could you have verified it? You claim to have verified this information within your investigation. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts DELETED or REMOVED from my file completely : 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 2021-06-20
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and i am filing a complaint against binance.us a subsidiary of BAM trading company inc. My acc number is XXXX, i reached out to the company on XX/XX/XXXX as i did not get credited my xlm deposit of XXXX. I was then instructed to upload my a pic of my transfer, the account number and a video stating who i was and what i was requesting .I got a response stating it would be credited asap on XX/XX/XXXX. It is now XX/XX/2017 emails later, several escalations and no resolution or any response on why. I then try on XX/XX/XXXX to withdraw my crypto into a wallet ( a value of XXXX ) and im unable to do so as it states its because or risk management, i did research and found that they do that and use the excuse that they feel the account was compromised, this is impossible as in order for anything to transpire in my account, my verified bank account needs to be involved along with a text message to my phone with a one time access code. Its an excuse. So not only are they holding XXXX of my funds hostage for no explained reason, they have not credited approximately XXXX dollars in coins to the account, its been almost a month and nothing but auto replies and canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-02-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS XXXX XXXX ACCOUNT FOR THE AMOUNT OF {$1200.00} IS AGGRESSIVE FRAUD COMMITTED AGAINST ME. MY PERSONAL INFORMATION IS COMPROMISED WITHOUT MY CONSENT AND BEEN ADDED TO MY CREDIT REPORT WITHOUT PROPER VERIFICATION AND HAS BEEN AFFECTING MY LIFE. MY PERSONAL INFORMATION HAS BEEN ALSO BEEN IN SEVERAL BREACHES LIKE THE XXXX AND EQUIFAX BREACH. 
ACCORDING TO THE FCRA 15USC1681, THIS IS A VIOLATION. IM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY FROM XXXX, XXXX, AND EQUIFAX. 
AS I REPORTED THIS TO THE CFPB AS WELL. ALSO PLEASE UPDATE MY ADDRESS TO ONLY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ANY OTHER ADDRESSES LISTED ON MY CREDIT PROFILE ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed accounts and inquiries that are inaccurate on my consumer report. Pursuant to : 15 U.S C. 1681 ( a ) ( 3 ) Consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company have infringed upon my rights.

Pursuant to : 15 U.S.C 1681 section 602A. States I have the right to privacy. Pursuant to : 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Further more Company never asked for my permission to furnish or sell my information to a 3rd party debt collector. My right to privacy has been invaded damages have been done. The damages stopped me from traveling to and from work, my mental health causing stress by not being able to provide for my family. I have reached out to company multiple times. Company have removed accounts and put them back on my

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 2023-07-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a strange email at XXXXXXXX XXXX from Citizen 's Bank telling me that my application was denied. I never submitted an application for Citizen 's Bank and have no reason or interest in having an account wirh Citizen 's Bank since my bank is with another entity. I was unable to call Citizen 's Bank about the fraud because it was after hours and a holiday so I filed a complaint online with Consumer Finance Protection Bureau. 

I am concerned that someone has my personal information and is attempting to do me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act 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

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-11-04
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs, I had signed up too clearscore and I want to update my information on Equifax and when I had telephoned the company they took my visa debit card number and said they can update my credit report for 5. Which I did, they told me too update my credit report I need too log in too my email address XXXX. 

They said they had sent a link and they where very aggressive too me that I did not received another email with the link too log back into my Equifax report. 

I could not ring back the 3rd time as I did not receive the email at XXXX too update my Equifax report what can I do? 

Yours sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/XXXX I received a certified letter from Bridgecrest Acceptance Corporation from a previous complaint about this company. They continue to send partial information that was requested back on XX/XX/XXXX about this alleged debt, yet they continue to harass me using obscene and profane language claiming I owe an alleged debt to this company when I have no documentary evidence of neither mine, nor bridgecrest signature to prove this alleged claim. Pursuant to the fdcpa a contract is not sufficient proof for debt validation. I have requested that Bridgecrest validate this alleged debt and send me proper documentary evidence, but they are willfully neglecting to do so, violating the fdcpa and my cease and desist notice attempting to coerce me into paying on this fraudulent account. Per the fdcpa a debt collector has 30 days to provide all requested information from a consumer to validate any alleged debt, or they SHALL cease all attempts to collect the alleged debt. Its been over a year and I have proof that they continue to violate federal law. The paperwork that was sent to me via certified mail violates the fdcpa, as debt collectors are prohibited from sending post cards in the mail, its mail fraud and violators found guilty can spend time in prison and face civil penalties for their crimes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
Company XXXX reported an account they new was fraudulent Portfolio reported I informed them that was fraudulent

Company response to consumer: Closed with explanation