BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees.

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :

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 2022-06-13
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX XXXX is attempting to collect XXXX XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
On XX/XX/2023, I filled out an online application with Bank of the West, Essex Credit ( XXXX XXXX XXXX ) for a boat loan. There was no disclosure in the application that a hard credit inquiry would be conducted. 

I did not authorize a hard credit inquiry against my credit report. 

The loan request was summarily denied, so I attempted to reapply the following day, XX/XX/2023 with more money down. This time the loan was forwarded to a XXXX XXXX ( XXXX ) who said the bank needed additional financial records to proceed. Again, during this second loan application, I did not authorize a hard credit inquiry against my credit report. The loan rate quoted me was 10.44 % and I withdrew my request and decided not to receive a loan from this bank. 
Less than a week later, I receive two letters indicating hard credit inquiries from Bank of the West on my credit report. I contacted Bank of the West and XXXX XXXX XXXX, and she said she would speak with her manager, who later said they could do nothing to remove either inquiry. 

I believe Bank of the West misrepresented they business as demonstrated my numerous complaints to the XXXX ( XXXX XXXX XXXXXXXX ) and fraudulently collected financial information without my consent. 

I would like Bank of the West to contact XXXX and have BOTH hard inquiries removed from my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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 do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documentation.

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 2023-05-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I received a check for {$7200.00} from what I thought was an employer who had hired me to work from home in response to a job opening listed on Indeed.com The check was to be used to purchase equipment needed to perform the work. I deposited the check in my checking account at JPMorgan Chase at the XXXX, NJ, office before XXXX XXXX  on XX/XX/2023. The cashier told me the funds would be available the next day. The next day, XX/XX/2023, the funds appeared in my online checking account as " available. '' I proceeded to disburse the funds as directed by the supposed employer through XXXX, XXXX, and XXXX, supposedly to vendors used by the employer, to be used for equipment and software needed to work at home. I next checked my checking account online on Tuesday, XX/XX/2023, and found the account overdrawn by {$6800.00} because the check had not been honored by the bank on which it was drawn. I was unable to contact the supplier of the check. In conversation with the Chase banking and security personnel, I was told that this was an old scam, called " the work scam. '' The scammers have found a flaw in the banking procedures and are taking advantage of the flaw. That flaw should be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Delta Management Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
That account has been opened fraudulently without my knowledge. The company has not provided the original application/agreement with my signature like I have requested on XX/XX/2022 and XX/XX/2022. The billing statements that were sent have inaccurate information. Therefore, I have requested from the company a copy of the original application/agreement with my signature along with the company 's original purchase agreement. I have asked on two different occasions to send other information that does not include billing statements and I have not been provided that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date of issue : XXXX XXXX Amount : {$540.00} I contacted chime for a month about an unauthorized transaction. I provided them with all the necessary documents they requested. I followed up everyday. No help once so ever. I told them that I wouldnt be able to get my fianc to work or myself. Rent would be late so I would more than likely face eviction. I got nowhere w CHIME so I contacted my local news station. He contacted chime on my behalf. They all of a sudden found the error, refunded my money but it was too late. I couldnt get to work or my fianc bc of the transaction. Chime was very rude and did not care or try to help. They informed me that I needed to basically do my own investigation to find out what happened. If this can not be resolved I will be suing for monetary damage, along w emotional distress. I got behind on rent bc we lost our jobs. I have XXXX small children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During my purchase of my home in 2017 I had a collection from XXXX XXXX from XX/XX/XXXX Acct # XXXX I paid it in full and received a letter from Commercial Trade INC stating it was paid and removed, shortly after CTB added a new account from XXXX XXXX effective XX/XX/2017 a month after I paid my account. The new amount is for {$1500.00} stating I owe more. I have proof on my credit reports and the letter that I never owed CTB or XXXX XXXX  this amount and that my collections from them was paid and removed. I tried to talk to CTB several times they have belittled my requests and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, XXXX and Equifax directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX  I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2023-04-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased the home located at : XXXX XXXX XXXX, XXXX XXXX, TX XXXX in early XXXX of XXXX. During that time, I, XXXX XXXX XXXX, had gotten sick in XXXX and I reached out to the company for assistance. As we were making our payments, we were denied a modification and were forced to do a short sale on the property in which we had a realtor involved. The realtor was in the process of submitting all the necessary documents for the short sale and due to negligence from Wells Fargo, they foreclosed on the property prematurely. I believe that we were wrongfully foreclosed on due to their unethical practices. We were trying to get the foreclosure reversed and we were speaking to upper management and all they said to us was that they apologized. Since then, there has not been any reporting of foreclosure on any of the homeowner 's : XXXX XXXX and XXXX XXXX 's credit report. I strongly feel that we should be part of the ongoing lawsuit against Wells Fargo for their unethical practices and their banking violations. If you have any other questions or need any additional information please contact me at : 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 2021-12-06
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my report for accuracy and saw an account for CREDIT COLLECTION SERVICE for Original creditor : XXXX in the amount of {$98.00}. I was in an XXXX marriage for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally came forward about the XXXX this year and the XXXX XXXX XXXX XXXX XXXX, and expedited the divorce. I am now on my own and in the process of trying to get XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX get a job and get my own place. I just started a new job, and now i am trying to get approved for my home. I am requesting deletion of this debt when paid in full. I am ready to start over with my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I initiated the return process for an item purchased from Best Buy, ( Order Number : XXXX, Total : {$410.00} ), by logging into my best buy account online and following through the instructions for beginning a return. Per the site instructions, the return for this item would need to be done in-store, at ANY location. 
On XX/XX/2023 I visited the Best Buy location in XXXX, CA ( XXXX XXXX XXXX XXXX ) and attempted to return the item. After several employees had difficulty with processing the return, it was brought to my attention that the item that I picked-up at the XXXX XXXX XXXX location, did not match the item on the purchase receipt. Although visually the same, the item had a different model number ( Model : XXXX ) and as such they could not return the item. As show in the attachment, the item in my possession has additional features and retails for a higher cost, but looks identical to the model I had purchased initially. The representatives in-store understood the mistake but only offered for me to return to the pick-up location and have the employees there correct their mix-up. No guarantees were made that the item would in fact be returned or credit offered for the mistake at any location. It was made very clear that they would not be processing a return at that store. 

I advised the Store representatives I would be disputing the charge and they did not present any objections. On XX/XX/2023 I filed the dispute on my Citi Card. I presented the documentation available to me, however the charge remains with no further action taken by Citi.

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 2019-11-22
Company: First Advantage LNS Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously attempted to have this agency cease and desist and they refuse to do so. The damages they are alleging were not done by me. I have requested proof on multiple occasions. Also, within the City of XXXX a landlord is required to send a statement regarding charges within 30 days of moving, or no debt can be charged to a tenant. I have requested proof of this statement being sent including but not limited to tracking information, certified letter, etc and have received no proof regarding. The management company that sold this debt to NCAC is no longer in business due to these illegal practices. I have submitted NCAC with photographic proof of no damages and have  requested photos regarding the said damage, receipts for cost of repair, etc and have received nothing regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was contacted this morning around XXXX by the XXXX XXXX XXXX # XXXX. The caller poorly informed me/refused to tell me who they were or why they were calling until I confirmed who I was. After I did, they went straight to telling me about a debt they were trying to collect, of which is a credit card debt that can only be from more than 6 years ago. My credit report doesn't even show it anymore, it has been written off completely ( I verified this with two companies ) In others words XXXX is still trying to collect old debt that isn't even legally due anymore. I also found it incredibly rude that they refused to they me who they were before I " verified '' who I was. I didn't want information other than who they were.

Company response to consumer: Closed with explanation