BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/ 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : 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 2020-11-27
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On the XXXX A couple of hours prior to my paycheck deposited I received notice from Chime services, the bank I bank with online, saying that they closed my accounts for not being in compliance. They sent me a link to look at all the compliance rules and regulations and the only one I can think that it would be referring to is a secure credit card that I opened up maybe a year after my checking account. Basically about six months ago I ordered all new cards. A secured credit card and my debit card and none of them came in the mail. After contacting them and telling them it never came where is it and then moving out of my unit I finally got someone to look deeper into it and she said the order never went completely through and I would have to wait another week. I updated my information with them prior to moving but about a week later when my debit card did come it was only my debit card and not my secure the secured credit card was never reissued. So because I never got it I stopped having my paychecks put on a card I didnt have in my hand. Mostly whats really frustrating with this situation is that now that Im no longer considered a chime customer I am unable to speak to anybody in regards to any of this. I had called the customer service number and it says they found my account under my phone number and its close and I can send them an email and I only get back a computer generated response. And all that says is it close my account compliance with my secured credit card I dont that I never received it and thats all it says sorry for this inconvenience. They have my entire week of pay and this computer generated message says they have up to XXXX turn my money I cant go that long without my paycheck my rents due and now Ill get late fees at XXXX a day till I pay it.. I dont understand how they can all three of my accounts are not using my secure credit card this is messed up so much right now I cant even put it into words. I feel robbed and They should be required to consider all customers to still be a customers even after an account is closed for at least 30 days so theyre can be communication. Specially when money is involved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: JPMORGAN CHASE & CO.
State: NH
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:
" Chase '' Bank which started out fine and also holds my car payment which remains in no missed payments and no issues. MY credit card has different rules different stories. All was fine then one day it seems I was owed {$400.00} plus dollars " minimum '' due??!!! I am thinking what was minimum due maybe I did not pay close enough attention. BUT when trying to resolve it did not go well they were and still are relentless in their pursuit of this bill. My problem is they called so much that I stopped answering and I continued to pay them {$50.00} on the credit card faithfully and still am because of the constant calls. So figuring I had to solve this so now I answer their calls and they talk so quietly I can not hear them or say something that doesn't make sense when I ask them to repeat themselves they hang up on me. I guess this is payback for me hanging up on them. They are being childish they call I answer they hang up on me what am I supposed to do play games I don't think so. I will continue to pay {$50.00} until my bill is paid just I have been doing all along. It would be reputable of you to stop the reports you have done your damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX  -- - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-08
Company: CITIBANK, N.A.
State: IL
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: Problem with personal statement of dispute

Complaint:
Dear CFPB, I am writing to bring to your attention a recent dispute I had with Citibank regarding my credit card. Despite my efforts to resolve the issue through their customer service, the dispute was not approved, and as a result, my credit card score took a hit. I am submitting a complaint to your institution to seek a resolution. 

I have a XXXX payment history across all my credit cards and have always been a responsible and prompt payer. I believe that this dispute was caused by a mistake on Citibank 's end, and I am deeply concerned about the impact it has had on my credit score.

I would like to inform you that I had repeated experiences of being cut off in the middle of conversations or text chats with Citibank 's customer service. This made it very difficult for me to resolve the issue, and I feel that my attempts to do so were not taken seriously by the customer service agents.

I do not have the text transcripts as proof of the situation, but I am confident that Citibank was in the wrong. I kindly request your assistance in investigating this matter and helping me resolve it in a satisfactory manner.

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2020-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I had deposited five pieces of money order into an ATM branch of Chase bank, located at XXXX XXXX XXXX, XXXX CA XXXX on XX/XX/XXXX. Each money order has an amount of {$1000.00}, a total of {$5000.00}. I have many pieces of evidence to sue the bank for suspicious activity. First, the ATM received my money orders, but could not process and freeze at the loading screen. I went inside the bank and asked for help from one of the bank associates. She refused to go out and help me with my problem, despite the customers that were waiting for their turn. She told me to press the canceling button. Nonetheless, the money orders were not dispensed out, only the receipt saying the transaction could not process. I went inside to get help again, the bank associate then helped me make a call to open an investigation. She told me the investigation takes 60 days. Ive waited patiently amid the pandemic. They dont know how my family struggles to pay for the bills. We truly need that money to pay the rent. While waiting, I received a letter from the bank, saying they saw the transaction that was made by me on XX/XX/XXXX, and that it was legitimate and authorized. Ive waited until about 40 days, I called again to check on my case, just to hear a shocking statement. They have closed my case!!!?? Without any notice and customers knowledge, its unacceptable of how they straight up deny their responsibility. They said they have investigated and could not find all FIVE pieces of my money orders. I asked about the confirmation letter that they sent me about how they received my money orders, to hear a disturbance truth that theyve sent a wrong letter!!?? I am very stressed out by their blatant lies. Ive made and recorded phone calls, talking to the bank supervisor. Literally, every time they hung up the phone while we were still talking! I know its in the middle of the pandemic, but it was a very inconsiderate thing to do to their customers. I requested to see the bank/ATM security camera, they told me they dont have the authorization, and that I have to go to the police department to file a police report. I went there, but the police department is closed due to the pandemic. I then called the number on the notice of their front door. A woman greeted me and I told my story. She then told me the police do not solve these cases unless theres a robbery or a murder, and that my case is only a civil case. The bank has every right to open the security camera to see the footage. She told me to speak to the bank supervisor and ask for a subpoena. My life has been stirred up because of their irresponsibility. I do not wish to make this a big deal, which I could. I am filing this complaint to the CFPB as my last action before I made this a big deal, if the bank keeps hiding and denying their responsibility. I am begging you, the CFPB to bring me justice and show them their wrongdoing. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested the Select Portfolio Servicing to review the issues and errors handling my mortgage account ( please ref. XXXX ). 
I have finally received the reply on my request on XX/XX/XXXX! It took a lot more than 60 day admission. I am replying to the company with repeated request to refund my prepayment penalty as I was forced to pay out my mortgage asap because of all the financial distrust they have created by XXXX ) not beeing able to identify the charges on my account and itemize the charges on the statements ( pls ref to the document copies attached ) XXXX ) adding my hazard insurance payments to my escrow with unexplainable up charges without a valid reason and without my consent. 
XXXX ) unacceptable customer service- countless dropped calls, not returned calls, customer service representative luck of competence and inability to address any questions regarding the additional charges, XXXX ) the representative variable explanations on my account charges, XXXX ) errors and discrepancies on my account ( e.g. my name misspelled, etc. )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear CFPB Team : Portfolio Recovery, a debt collection company, has been calling my phone since around XX/XX/2021 ; sometimes several times a day. ( On my caller ID, they are " Portfolio Recvy. '' ) They have called me innumerable times under innumerable phone numbers. One phone number was XXXX on XX/XX/2021. The last call was today ( XX/XX/2021 ) at XXXX XXXX  from phone number XXXX. These phone call practices are a violation of the FDCPA. 

After I received approximately 20

phone calls, I looked up who they were on the internet. Then, I began blocking and deleting their phone numbers ; however, they seem to have thousands of phone numbers to call from.

I have a credit score > XXXX. I owe no unpaid debts. I have never answered the phone calls from this company, as I do not want to waste my time talking to a company when they have no legitimate business calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-03-31
Company: Phoenix Financial Services LLC
State: UT
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 received an email from XXXX XXXX  stating that I opened a new account. I went into my XXXX XXXX account and noticed that Phoenix Financial Services had placed a collection action in my files for an emergency room visit. I called them and they stated that I did not pay a bill I accrued at an emergency room in XXXX XXXX Texas some time in XX/XX/XXXX. I told them I have lived continuously in Utah since XXXX and have never lived in XXXX XXXX, TX, which can be confirmed simply by going in my files. They were rude and refused to even take it off and basically threatened to keep it on there until I paid it off. I told them to ( _ -- -- off ) and go ahead and keep it on so I can sue them for violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 non-monetary relief