BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in XX/XX/XXXX. I purchased a bed and bedframe that was adjustable. A week after the purchase the justable frame stopped working. I contacted the company they refused to fix it even though the contract said that they would and told me to contact the manufacturer. I told him I refused to pay the debt and less they honored their side of the agreement and that they should come and return the bed and the mattress. They never did. Some time went by and I finally got a call from a XXXX  XXXX. They were told the XXXX the same thing that I would not pay unless they honored their agreement first and then I wanted him to return the product if not. I never heard anything Else from them until XXXX day a letter was put on my door that was not sealed in an envelope just fold it over and it contained my account number my personal information debt information including amounts of food etc. etc. it also included a letter threatening me with police and legal problems. So I contacted the XXXX XXXXXXXX again and told him I wanted it out of my house I have requested them to return it multiple times or to fix it they refused and then I never heard anything else again. I never heard anything until last week I received a civil warrant for general sessions court For a lawsuit. For over XXXX years I had received no contact through the phone, email, Postal Service, or any other means. My phone number has been the same since XXXX. My address has changed but has always been updated with my drivers license and tax information which are accessible by an attorneys office if need be there has been XXXX attempt to collect this debt until I was randomly sued after they refused to uphold their end of the contract. Then when I called the attorneys office to discuss the Civil Warrant I had received I was told that the judge isnt going to care about my XXXX little letter and XXXX you then they hung up on me. I was speaking to XXXX from the law office of Jennifer McCoy. XXXX is in Indiana so Im not sure if she is even able to discuss in TN. So this company was hired to collect a debt, never attempted to collect the debt, waited 5 years, and then sued me and then cussed me and made fun of me while threatening my credit score when I called to discuss. Jennifer J. McCoy law office is a disgrace to the profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: NJ
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 bureaus are refusing to remove inaccurate information on credit reports. Credit reports are showing inaccurate balance on closed auto loans. Inaccurately reporting vehicle as a repossession and voluntary repossession instead of just voluntary repossession. Reporting several missed payments when in fact it was only one missed payment. Ive disputed accounts several times and information still stands. Ive requested that the Credit bureaus provide methods of verification as it is my right to receive such information and theyve refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-10-25
Company: CITIBANK, N.A.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with CITIBANK N.A with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was frozen with no notice or warning. The branch had no explanation and guidance on what to do. I called customer service and they said to go into the branch, I was told corporate would contact me which NO ONE HAS. My money is in there and I am UNABLE to pay my bills to this moment. I was told it would be closed again with no notice from them. Ive only conducted a few small XXXX transactions to family or friends. It is a new account and again no notice of such thing. I am unable to withdraw my money and pay my dues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-04-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have this account since 2010 and never been charge monthly fee. suddenly and without any notice I start to be charge monthly fee. by contacting customer service they said there is nothing they can do about it, i need my money back period.

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 monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Someone fraudently opened accounts using my information. XXXX XXXX XXXX {$640.00} XXXX XXXX {$800.00} & $ XXXX XXXX XXXX {$610.00}, XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} and a lot of inquiries some from the same company repeatedly.

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: OPORTUN FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was led to the Oportun credit card by a XXXX XXXX that is dedicated to educating people about new credit & lending opportunities ( XXXX XXXX XXXX XXXXXXXX ). Herein, I was seeking unsecured credit cards to build my score, credit mix, & profile in short order, and the Oportun card was described as offering a soft credit pull ( non-score impacting ) prior to full approval, so I decided to take a look at the Oportun site to see if this was true. 

Upon visiting the site, I did in fact confirm that Oportun does advertise a soft-pull pre-qualification, so I decided to enter my personal information into their online application form to see what the credit offer would be. Instead of providing a preliminary pre-qualification offer based upon a soft-pull of my credit, Oportun performed a formal hard-pull credit inquiry without my permission, knowledge, or consent. The Inquiry was also reported to all 3 credit bureaus & my credit score was negatively impacted. 

I immediately called Oportun to complain & to request that they remove the inquiries immediately. Still, I was met with difficulty, refusal, combativeness, & a generally stonewalling presentation by the various customer service reps that I'd spoken to. In addition to calling the credit bureaus directly ( wherein I was instructed to make the removal request directly to Oportun ), I've also called Oportun twice more on two separate occasions to rightfully demand the immediate removal of the hard inquiries reported to the bureaus, to no avail.

I still have not been informed if I was approved or denied a credit card, although the Oportun service representatives advertise & promise a 24-hour application determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was diagnosed with XXXX XXXX in XX/XX/XXXX. After removing the XXXX, and months of determining what the best course of action was for my health, I decided to undergo XXXX. I started my treatment in early XX/XX/XXXX until XXXX ( XXXX I believe ) XXXX. 

I filed for state XXXX insurance. According to the CA XXXX website, via my account, I was informed I would receive my first payment {$2200.00} on early XXXX XXXX and second payment of {$1400.00} mid XX/XX/XXXX. 

I waited but never received my debit card in the mail. It was until around the first few days of XXXX that I saw a news segment on TV where people reported their unemployment and XXXX money had been stolen via fraud. Immediately I that is when I decided to look further and based on my research I was led to call Bank of America. 

It was at this moment that a bank rep informed me that was issued a card and that there were transactions posted. I denied all transactions and made a claim that I never received the card. Then I had to go back and forth with CA state XXXX department and Bank of America to determine who I needed to work with to get my money back. No one gave me an answer until it was determined that I needed to work with Bank of America. 

Fast forward until today, XXXX year later XX/XX/XXXX, I have not used a single penny of those funds and have been getting my claim denied by Bank of America. I have called plenty of times requesting funds to be issued due to personal hardships. I have filed a police report and sent it to them. I have send them documents proving my identification. A social security document and pay stubs to prove my identity. But to no avail. 

Their findings to dismiss my claim seem absurd. They state that the transactions and atm withdrawals are geographically near me. I've been fighting back requesting the footage and evidence of them determine that I made this transactions. They keep telling me that they are sending in a request but I have not received any of this. I do not know what else to do. Please I hope you are able to help resolve this issue. Much appreciated.

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 2023-05-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Creating a new complaint in reference to COMPLAINT ID XXXX Chase has not provided clarity around the breech of my account and has certainly not provided a clear understandable response in regards to my concerns. 

I attempted to use my credit card and it was declined, upon being declined I contacted Chase and have gotten the run around multiple times in attempts to resolve the issue. 

I was advised the issue was resolved after my initial CFPB complaint which was false and I was able to resolve after that with additional calls and time. 

I continued to file complaints that were not addressed yet advised as addressed. 

How did Chase learn of my death and what actions were taken to verify this information? 

I'm sure my complaint was the reason that Chase learned of my resurrection. How did Chase validate my resurrection? I provided information that would have been on a death cert so I certainly hope that information is not what cleared the " investigation '' and that additional actions and research to verify the validity of my proof of life were done. 

I received notice from Chase that I was marked as deceased as seen in my attached documents. 

Although in writing saying they are. Sorry for the mistake. That's not heartfelt or a clear validation of the inconvenience to myself as the consumer. 

I would like to be advised of the airs found, how they were addressed and how they were effectively communicated to myself as the consumer. XXXX XXXX. 

I would like to receive advisement of what the resolution to my concerns were. 

I would like to know what actions were taken to address the errors that were found in chases internal investigation. More specifically, I want more information surrounding how they were notified of my death, how my death was verified, If I wasn't facked deceased, how was communication in regards to my account sent? Why my other accounts were not affected? I would like more information on how my resurrection was validated and confirmed to restore my account. I would like to know what Chases research found is impact to the customer for the issues I encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MO
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  Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the Metro 2 Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : 1. XXXX XXXX XXXX XXXX Under the Metro 2 Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

It is imperative that you adhere to the Metro 2 Reporting Guidelines in examining each disputed item. 

In accordance with the Metro 2 guidelines, I request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the Metro 2 guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

I kindly request that you carry out the deletion process within 3 business days to comply with the guidelines. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Velocity Portfolio Group
State: MO
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 attempted to contact the company in question, CKS Prime Investments, after seeing them on my credit report. That company then directed me to a second company, Velocity, who stated my account was placed with a third company, XXXX. None of the companies contacted can provide a validity of the debt, state where it came from or what it's from, nor will they provide an option for payment. I attempted disputing the information with the credit bureaus who basically stated XXXX XXXX owns the debt but I have confirmation from a chat that I had with them that they're not the appropriate company. It is a false negative mark on my report and I can not get anyone to remove it despite the fact the debt isn't valid.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.

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