BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX South XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regard to my recent credit report. After reviewing it, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I have noticed that my name has been incorrectly listed as XXXX XXXX. This is not my name, and I request that you delete this information from my report immediately. 

Secondly, I have also found an incorrect account number listed under my name as XXXX. This is not my account, and I ask that you remove it from my report as soon as possible. 

Thirdly, I noticed that an incorrect address is associated with my account. The address listed as XX/XX/XXXX is not my address, and I request that you delete it from my report. 

Furthermore, the address listed as XXXX is also incorrect and should be removed from my report. 

Lastly, the address listed as XX/XX/XXXX is also not accurate and should be deleted from my report. 

I understand the importance of maintaining accurate credit reports, and I appreciate your attention to this matter. Please let me know if you require any additional information from me to complete these changes. 

Thank you for your time and assistance. 

Sincerely, 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 2023-08-17
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-03-06
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Im being harassed by Victoria Secret. They are CONSTANTLY calling my phone all day everyday about me paying a bill and adding more and more fees that I put in a dispute about. They are messing my credit up. My points went down soooo much because of them. I have been trying to close my account with them for this exact reason. They Will literally call me several times a day everyday using MULTIPLE phone numbers and I would block the numbers they call off of. Even if I block the numbers, they will call me through a blocked number ( NO CALLER ID will pop up but I know its them ). I have been called several times at work, while putting my kids to sleep, trying to go to sleep or take a nap myself, when Im out driving or at a business. Its ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year I moved out of my apartment and received my security deposit from the leasing company via check totaling {$1700.00}. I had just recently created a Chase checking account and decided it would be best to deposit the check into the new checking account to ensure I had funds in it. I did so via mobile deposit on my phone. About a month or so later, I received a letter in the mail from Chase bank notifying me that they were closing my bank account and holding onto the {$1700.00} of the security deposit. After several attempts to understand the situation, by both going into a local branch and calling several Chase phone numbers, I was told that the check had to be verified by the landlord/leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX . I provided all the numbers my leasing company shared with me, but Chase would not accept any of them. I then asked if they would just return the check to the leasing company ( check writer ). That way the leasing company could then void this check, write me a new one and I could cash it directly with their bank ( XXXX XXXX ). However Chase Bank said they would not do so. They would continue to hold onto the money until it was verified, however every phone number I provided for the writer of the check they would not accept. I asked the leasing company ( XXXX XXXX XXXX XXXX XXXX XXXX ) if they would be willing to go to a branch with me to verify. I provided all of the information that Chase said would be needed : 1 ) Proof of ownership of the business ( ex : certificate of the LLC or Inc ). 
2 ) Proof that the check was written by the business owner ( ex : business checks have a receipt at the back of a checkbook or a letter from the account that has all necessary information ( date, amount, check number ).

3 ) ID ( 2 forms ) ( ex : drivers license, debit card, passport ) The management company who sent me the check replied with the following " We are the property management company for XXXX XXXX XXXX, we do not own this property. Please ask your bank what they actually will need from me. '' Although I had provided that to them. 

It seems that the management/leasing company who has changed their names several times doesn't have a phone number that Chase will recognize. And given Chase won't cancel the check/return to the funds to the leasing/management company and the management company will not take any further steps to address the issue ( their last communication to me was I just have to deal with the bank because the {$1700.00} was pulled out of their bank account already ), I'm at a loss on how to proceed. Chase will continue to hold onto the money and give it back to the state as unclaimed funds although I keep attempting to claim them, but they will not accept my efforts to do so. Any assistance would be greatly appreciated. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had a negative balance prior to getting the 3 rd stimulus. It went in via direct deposit so did my paycheck. I noticed a yellow triangle on my online banking at top. I clicked and its all jargon that a non banking person can not understand, so I called customer service. I spoke to a lady who I asked what this yellow triangle is for and why theres another credit in my account. She proceeds to tell me its Covid 19 relief from bank for overdraft fees I had. So I said ok thanks so much thats great! So I got that on the XXXX th into my account and contacted the PNC branch about this few days afterwards. Fast forward to XX/XX/21. My check at XXXX was declined. I called XXXX XXXX and that place is terribly wrong on many levels. Long hold times, unable to understand person on other end due to language barrier. They told me my bank did this. And to contact yet another third party so I did it was XXXX XXXX XXXX who stated also it was my bank. I reached out to PNC via online chat. And the girl told me my account was negative XXXX!! And it actually shows on my end XXXX and some change was in there left! So I then asked for a manager who told me they automatically did this for everyone who had a negative balance for stimulus! I never was informed, thats why I called when I saw yellow triangle caution thing on my account! So as a consumer, without my permission they did this and now Im out and flipped XXXX down again because of the bank. They did this I called to make sure got wrong information obviously and was basically told so sorry we will train staff more! Bull XXXX this was done without my knowledge, permission and this is unfair banking practices. Im now right back where I was prior to getting stimulus because of pnc bank and what they did without my permission and knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had a repo back in 2019 thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.

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 2018-03-11
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with Statebridge, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ( Their phone number is XXXX ) I originally had my mortgage with XXXX and it was transferred to Statebridge over a year ago. 

The amount I am supposed to pay monthly ( Fixed interest rate ) is XXXX per a modified loan agreement that was signed about 4 or 5 years ago. However they are billing me for XXXX per month. 

When I called up to get more information I was told this was for insurance and property taxes. 

I live in a coop in XXXX XXXX XXXXXXXX. I pay insurance for the inside of my apartment through XXXX XXXX. Also the management agent for the coop pays insurance for the outside of my apartment. As for property taxes the management agent also pays my share of property taxes. ( There is not an individual tax bill for my apartment but rather a tax bill for all the apartments in the co-op and the management agent pays then bills us for based on the number of shares owned ). So every month when I pay my monthly maintenance charges ( of which I am current ) part of the payment includes property taxes and insurance.

However Statebridge claims they received an individual tax bill for my apartment when XXXX does not give individual tax bills for coops but a total bill for all the apartments in a coop which the managing agent then charges us for based on the number of shares in our apartment. 

Bottom line is I do not wish to be billed by Statebridge for insurance and property taxes when I am either paying for this on my own or through my monthly coop maintenance. Also originally I was a month ahead on my payments when my account was transferred to Statebridge but the extra payment was confiscated by Statebridge for its fictitious property tax and insurance payments on my behalf.. I would like this money ( One month 's mortgage payment ) that was stolen from me to be returned to my account or refunded to me )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, my CFPB case XXXX got a response from AMEX on XX/XX/XXXX. Why everything else was corrected/addressed but this missing XXXX Membership Rewards Points from my Kabbage XXXX  line of credit account didn't get resolved. I had provided my feedback on XX/XX/XXXX although that CFPB case XXXX was closed. 

I didn't get any response from American Express for the original case which I opened on XX/XX/XXXX XXXX so I opened a new case on XX/XX/XXXX to address this issue. The NEW case number with American Express is XXXX. 

XXXX Membership Rewards Points should be awarded to my account after I meet the qualifying activities on the Business Gold Card and draw at least once from the Kabbage XXXX  line of credit within the first 3 months of Business Gold Card Membership. Please see the promotional offer published ( public offer to everyone ) last XXXX and I did open both Business Gold Card and Kabbage XXXX  line of credit account by the end of XX/XX/XXXX and have fulfilled all the requirements to be eligible to receive this XXXX Membership Rewards Points. Please see the promotional offer details from the picture displayed using the URL below or the image attached. Thank you. 

I need to emphasize that this XXXX Membership Rewards Points Kabbage XXXX  line of credit account is a PUBLIC offer and paired with XXXX XXXX XXXX Membership Rewards ) points for Business Gold. 

Details are as the following : On XX/XX/XXXX, I opened a new American Express Gold Card as well as the Kabbage account ( It's an affiliated bank product called Amex Business Line of Credit - Small Business Line Of Credit ). According to their advertisement, the promotional offer stated that as long as the customer opened these two accounts together as a pair and fulfilled the requirements for both account, I will receive XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Business Gold ( I successfully spent XXXX in 3 months and got XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Kabbage ( I fulfilled all the requirements and did borrow the money from the account at least once. But XXXX XXXX XXXX were not awarded as the promise ). 

I opened a claim with the ticket # XXXX with AMEX Business Gold customer service department XXXX XX/XX/XXXX and followed up with them numerous. It's been no progress at all since then and no updates as well. They just stated the back office needs to look into it. 

After several attempts to try resolving this case without any success, it leaves me no options but to file a complaint here. Please direct this case to AMEX customer service team for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MS
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:
1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.

DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information ENTEGY is furnishing.

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX, XXXX & EQUIFAX DATE XXXX DIFFER FROM XXXX, XXXX & EQUIFAX XXXX XXXX SHOWN AFTER CHARGEOFF HIGH CREDIT-DIFFER FROM XXXX, XXXX & EQUIFAX LAST REPORTED- DATE DIFFER FROM XXXX XXXX XXXX & EQUIFAX DATE LAST ACTIVE-DATE XXXX FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATE DIFFER FROM XXXX, XXXX & EQUIFAX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX  complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX : {$1100.00} I ended service with XXXX and returned the phones the they told me that the boxes were scanned in at XXXX but they didnt receive the phones at their place.nobody has counted me to fix this ever

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 2023-03-06
Company: Experian Information Solutions Inc.
State: TX
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. 
states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-30
Company: DISCOVER BANK
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 is missing that should be on the report

Complaint:
In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under. 

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
From XX/XX/XXXX to XX/XX/XXXX, they made use of my credit, trying to acquire multiple credit cards, personal loans, vehicle applications, where my credit was affected and they only managed to generate a XXXX XXXX XXXX  credit card for a total of {$400.00} leaving me a collection balance of {$190.00}. I have not had an account with those banks, nor have I made any payment to that account from any personal In that same year my phone number was cloned and they used my personal information to try to get some kind of financial benefit, which caused my credit to be considerably affected by inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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  Accounts : ED/XXXX  # XXXX, ED/XXXX  # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 an 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 explanation
Consumer complaint received 2017-06-27
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received a letter from Affiliate Asset Solution, LLC collecting a debt for XXXX XXXX XXXX. of XXXX. IPer the Fair Debt Collection Practices Act I wrote a letter asking them to provide proof that XXXX XXXX XXXX XXXX XXXX make an attempt to claim my Health Insurance for services rendered on XX/XX/XXXX. I also request they stop calling until the information is provided. I mailed the letter certified on XX/XX/XXXX. According to the tracking number XXXX XXXX XXXX XXXX XXXX the letter was delivered and sign by Affiliate Asset Solutions LLC on XX/XX/XXXX. <P/>Today, XX/XX/XXXX I received 3 calls from Affiliate Asset Solution LLC even after I requested in writing to stop. I contacted Affiliate Solution and spoke with " XXXX '' which she attempted me to confirm personal information over the phone without providing her last name and employee id number. I gave her the account number and she confirm they " remove '' my phone number of the list so I told her that since she confirmed receiving the letter when can I expect they will provide the information I requested and she stated that they will not provide me with anything until I verify my identity.

Company response to consumer: Closed with explanation