BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed that funds were rapidly decreasing from my account until the funds were all gone and didn't stop until I was {$1200.00} in the negative. I contacted the Chase claims department and informed them that there were unauthorized transactions made on my account. .the unauthorized transaction began very subtly dating back to XX/XX/XXXX XXXX the first transaction was for around {$20.00}. then again in late XXXX, two more debits were made that I didn't authorize. then again in XXXX for a little more ... All of the unauthorized charges had odd names attached to them and I didn't recognize any of them. Chase told me that the unauthorized charges were all coming from XXXX. I disputed all of the unauthorized charges from XXXX and XXXX. At the time I was unaware of the XXXX and XXXX charges. Once it was brought to my attention that more transactions were made from XXXX I filed a second dispute ... ..I was told that they were going to investigate the charges and they would let me know if they needed any additional info ... The unauthorized charges stopped immediately once the first dispute was filed ... I thought they blocked international charges from my account and were investigating the claim. Turns out I was wrong ... Chase said that because I didn't catch the initial 20 unauthorized charges back in XXXX I was responsible for all of the unauthorized charges. They said that the unauthorized charges were not covered under visas fraud protection because the first sign of fraud was in XXXX and when I asked if I could appeal their decision they keep telling me No. They locked me out of my account and I am only allowed to log into chase .com but it says not able to review any accounts. They stole XXXX out of my account and have denied me a fair chance to appeal their decision ... 
Is there anything I can do to appeal their decision?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Capital one is not taking collections off of my credit report thats over 7 years old every time I dispute it on XXXX it doesnt clear off this debt has been settled for some years now both accounts are closed out and has been closed out for over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
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:
A company by the name of XXXX XXXX has 4 accounts in collections from XXXX XXXX XXXX on my consumer report. These accounts are dated from 2017, however, I have a current relationship with XXXX today. The accounts are listed as {$110.00}, {$94.00}, {$410.00}, {$110.00} I have never done business nor do I have a contract with XXXX XXXX, this debt is not valid or verified pursuant to FDCPA 15 USC 1692g. 

It is also an invasion of my privacy pursuant FCRA 15 USC 1681c ( 6 ). I do not recall being contacted by the orignial creditor nor XXXX XXXX once the alleged debt was purchased.

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 2021-07-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to file a complaint against Experian XXXXredit reporting agency. Experian is reporting fraudulent information on four accounts on my credit report that are paid in full with a {$0.00} balance. I have contacted experian by mail and by phone. I have asked them repeatedly to remove and delete the four accounts that are paid from the collections section of my credit report. I disputed the information in XX/XX/2021. Experian completed the dispute marked the accounts as paid and then placed them as collection accounts on my credit report. Again these accounts are paid in full with a {$0.00} balance therefore they should not be listed as a collection on my credit report as they are paid. I contacted experian by phone XX/XX/2021 and asked for the fraud department. I was transferred to a customer service representative in the fraud department. I told the representative that I wanted to report fraudulent information on my credit report that was placed on there by experian. The representative refused to take my fraud report and told me I had to dispute the information. I informed the representative that I had already disputed the information, that experian has the accounts marked as paid but also has them as collection accounts. I informed the representative that these four accounts can not be collection accounts since they are paid and have a {$0.00} balance. The representative told me that yes they are paid but they are still collection accounts. I asked the representative how these accounts can be collection accounts when I paid them in full. The representative transferred me to the dispute department where another customer service representative also refused to let me report fraudulent information on my credit report. This representative opened another dispute on all four accounts. As of XX/XX/XXXX and XX/XX/2021 the four disputes were completed. Experian updated the information the same as before marking them paid and listed as collection accounts on my credit report. I would like for you to investigate this and have these four accounts removed from my credit report. If experian does not remove this fraudulent information from my account I will be filing a defamation lawsuit against them. I don't understand how they were allowed to refuse my right to report and investigate fraudulent information on my credit report. I will give you the names of the four accounts to help you proceed with your investigation. 1.XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX  ( re : XXXX XXXX XXXX ) 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX ( re : XXXX XXXX XXXX  XXXX ). If you need anymore information please contact me. Thank you. 
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 2023-10-03
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to report an issue with my credit report, specifically related to my interactions with Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information present on my credit report. To date, I have not received a response from them. I am providing the details of the inaccurate information and the necessary corrections required : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : This account has never been late, and I request that you correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Issue : This account does not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ireceived mail from FRANKLIN COLLECTION SERVICES, INC saying I owed a alleged debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX VIOLATED Title 15 USC 1692c ( b ) prohibits communication with any one except consumer XXXX XXXX XXXX VIOLATED Title 15 USC 1681a ( 4 ) right to privacy Evidence of Violations is included with this complaint ( Exhibt A )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I do not consent to electronic communications. I request all responses be in writing through the USPS. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX and 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 2021-06-02
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage forbearance ended with Mr Cooper who services a XXXX XXXX mortgage on XX/XX/2021. 
I have tried numbers times to talk to someone there. No one had helped me. I would like to put the balance due at back of mortgage and resume my payments. 
I believe it is a payment deferral. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mr Cooper # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Amount Owed : XXXX XXXX Account XXXX : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-07
Company: CBC Companies, Inc.
State: TN
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:
Please help me with removing the fraudulent accounts from my credit reports. I am a victim of the XXXX data breach and was paid because my information was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
XXXX XXXX XXXXk Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In accordance with FCRA 605 B 15 USC1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received a refund on my CITI Bank account from XXXX for XXXX, XXXX, XXXX, for 4 roundtrip tickets to XXXX for myself and my husband ( because of COVID-19 flights got cancelled ). On XX/XX/202 CITI Bank withdrew an amount of {$1000.00} from my account. I have called CITI Bank many times and spoke to different supervisors who promised to credit the amount of {$1000.00} to my account and as of yet CITI Bank have not credited the amount to my account. I am asking for the return of {$1000.00} from CITI Bank. I also spoke to XXXX finance department and they informed me that XXXX did not withdraw the amount from the CITI account as they said they had given me the refund and there is no reason to take the funds back. The last I spoke to CITI they advised me that the amount of XXXX was refunded to my account but an amount of XXXX was withdrawn which CITI bank has failed to honor.

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 2019-11-19
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Similar issue to previous complaint # XXXX submitted in XX/XX/2017. After coming to an agreement to correct Fed Loan Servicing 's error in processing my student loan repayment, they have once again sought to increase my repayment step-up by more than 89 %, which is completely unacceptable. I contacted the Fed Loan Servicing office indicating that I've had this issue in the past and that I would not diverge from the original agreement I signed, which called for increases of approximately 20 % every two years. Their response was to revise my repayment plan to an increase by more than 70 %. As you can imagine, constantly having to deal with this organization is unwarranted and unacceptable. Since Fed Loan Servicing has shown a tendency to ignore the needs of their student borrowers, I am once again leaning on the CFPB for assistance. I have also indicated to them I will increase my monthly payment by approximately 20 %, as agreed previously, going forward. I also indicated I will file suit if Fed Loan Servicing attempts to garnish or other means of collecting an inappropriate amount of my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The previous reply from XXXX ( XX/XX/XXXXXXXX  ) via CFPB Case # : XXXX states : The Account originated on XX/XX/XXXX with Navy Federal Credit Union XXXX The Account charged off on XX/XX/XXXX with a balance of {$5200.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$5200.00}. 

Yet in the Court complaint states : 8. Upon information and belief, the statute of limitations for the cause of action asserted herein is 3 years and therefore has not expired. 
12. The last payment to the Account was on or about XX/XX/XXXXXXXX  in t h e amount of {$5.00}. 

XXXX still hasn't responded to my debt validation request or provided : 1 ) The original, executed credit agreement and all amendments. 
2 ) All documents related to proof of mailing of statements. 
3 ) All information and documents relating to compliance with XXXX. XXXX. Code XXXX, XXXX XXXX. 
4 ) All documents related to reporting made to any consumer reporting agencies. 
5 ) All documents relating to any dispute concerning the validity of the alleged debt. 
6 ) All documents relating to cancellation or termination of the agreement. 
7 ) All information and documents relating to acquisition of the alleged debt, including, without limitation, executed copies of all assignments/transfers I would like answers to the above before pursuing legal action against XXXX & its attorneys for lying in court proceedings and all costs/damages related to this lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Diaz & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Spoke with XXXX XXXX XXXX Diaz and Associates who I feel misrepresented the dates of the XXXX fitness debt. He states it was from XXXX with a last payment being made in XXXX but we feel that it was done more in XXXX when my husband was a minor and no payments were made after his mom informed Ballys he was not of legal age. XXXX XXXX of Diaz and Associates was rude and condescending and apologized to my husband for what he had to deal with everyday living with me he also stated he allowed me to speak. I want no contact with this extremely misogynistic company ever again for a perceived debt that is 36 years old. He also asked that we provide documentation showing we dont owe this debt.

Company response to consumer: Closed with explanation