BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
payoff amount requested it multiple times. 

instead these clowns keep sneding me pre foreclosure notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2022-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Bank of america was constantly closing my debit card which had money on it from XXXX when bank of america froze my account the first time. I recently received a letter from unemployment saying they would unfreeze my account if I verified my identity. So my account was unfroze in XXXX of XXXX. Well ever since I've had it I was constantly having to call B of A customer service to have them unlock my debit card. When I asked them why they kept on locking me out of my account they said it was a security procedure. Well then about a week ago a purchase i tried to make was declined so I called them once again and the said it was closed by the EDD. Well I tried to get some answers through the unemployment website and read that the EDD didn't have any control over the benefits once it is put on the bank of america debit card. That if an account was frozen then it had to of been bank of america.

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: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Penn Credit has continually called my phone searching for someone who owes them money, however, I am not that person. I have spoken with multiple staff members in XXXX of 2019 and specifically on XX/XX/XXXX, XX/XX/XXXX, and with manager XXXX XXXX on XX/XX/XXXX. I continue to get robocalls and voicemails asking for the person who owes the debt to call the number and settle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX {$840.00}

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 2023-07-22
Company: Incomm Holdings Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Days ago, I went and bought a gift card at XXXX store ( XXXX XXXX XXXXXXXX XXXX DC, see the exhibit ). I have been doing it for decades. But, It could not work to pay for my email purchase at XXXX. I did try several times and then I realized that when I did back up it was registering a different number ( changed the last 5 numbers ) but kept the typed expiration date and security code. Then I did access the company website ( www.vanillagift.com ) but there everything was good, the balance was {$100.00}. So I went back to the same store, the consumer service staff checked and told me she was not allowed to proceed for the trade her manager will be there in the morning to do it. So she did stapled my receipt with my card. Next day, I came back in the morning but the young man at the customer service said who told me that the manager will be there he just talked to him or her the manager will be there in the afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: JPMORGAN CHASE & CO.
State: NJ
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 previously have filed a related complaint on " didn't receive advertised offer '' ; now I am filing for " misleading and confusing terms ''. 

I have applied for Chase freedom unlimited because of a promotion mail last week. I searched for the freedom unlimited card online ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which clearly states 5 % cash back on groceries store up to {$12000.00} within the first year. As of Tuesday ( XX/XX/2021, see screenshot attached below ), I searched Freedom unlimited, and the first link title advertised for the 5 % groceries store cash back. With these in mind, I applied through the link provided in the mail. Then I noticed that the 5 % groceries is missing, but it is still the exact same card, so I called the customer rep. The customer rep repeatedly confirmed that the 5 % cash back on groceries promotion ended as of XX/XX/2021, and I applied XX/XX/2021. However, all the official websites and links still have this promotion. I was very confused, and filed for the first CFPB complaint. 

Next, XXXX from executive office got back to me. I actually was not able to reach him for a couple of times, but then finally reached him through another exec. He did not mention what the customer rep have said, and simply said that my offer through the mail is different from what is widely advertised online. I then asked for a public offer match, he deferred me to the marketing team. One marketing team manager indicated they would look into why my mail offer was different ( she said they do not know why my offer was different and not sure what was missing ; if it is a mistake they would correct it ), and was not able to provide an answer immediately. She said they would get back to me in 3-7 business days. Next, XXXX from the executive office called me, saying the same thing XXXX told me initially. 

Since there is 1 ) no timing difference between my mail offer and public online offer, and 2 ) no source difference ( all from Chase official channel ), I do not understand this promotion difference. It seems freedom unlimited promotion team or marketing team or operations team was intentional in tricking the customer. It is common for customers to look up a card, the reviews, and related information online. The online official website did not clearly indicate that offers maybe different from mail, which may exclude any of the promotion offer.

Thank you for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 u.s.c 1681c ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other then records of convictions of crimes which antidotes the report by more then seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: Assigned Credit Solutions
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I keep on receiving a call from XXXX XXXX, number XXXX. 

He is calling in regards to a debt owed by me to XXXX. Last year he somehow obtained my wifes parents numbers and my family numbers. I never shared them with XXXX or anyone else. He claims to have did some digging into my personal information which makes me super uncomfortable. 

I had talked with him and gave him My debt management companys phone number since I enrolled this card with them. I told him to stop contacting my family and just talk with them. In the past two months he has been contacting my family trying to make them make me call him.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I find there is a XXXX Inquiry from XX/XX/2018 on my XXXX report. I didn't authorize this one. Please delete it.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX CO XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX All have violated my rights. XXXX5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2023-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2023-07-17
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX is not updating information correctly. I've paid this collection in full on XX/XX/2019 the amount is {$1600.00}. I include receipt and proof that this company has been going back in forth reported incorrect information on my credit report. Equifax is not investigating this at all and needs to be liable in a investigation with my proof of information and also they have deleted this and updated things on my credit profile and not removing these negative or incorrect items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2021 I enrolled into a debt consolidation program with XXXX XXXX XXXX. My Discover credit card was one of my debts that I wanted to enroll in the program. My total debt with Discover was {$3900.00} with enrolling into the program. I was advised to stop making payments so that they could come up with a settlement. XXXX XXXX XXXX contacted Discover to come up with a settlement for my debt Discover in return wants me to pay {$18000.00} for a debt that was only {$3900.00}. Thats + {$14000.00} more than what my actual debt was before entering into the program. This has caused me Anxiety to know that during hard times that a credit card company could do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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: Account status incorrect

Complaint:
This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently obtained a credit report, and I have several XXXX inquiries done so by someone else who has gained access to my personal information and may be trying to XXXX credit under my name, due to there amount of credit inquiries it it putting my credit score in a bind I would like the following unauthorized inquiries removed from 'Transunion XXXX the following are 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 explanation
Consumer complaint received 2021-08-15
Company: Law Office of Brett M. Borland, P.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I was sent a letter from the Law Office of Brett M. Borland, P.C., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX  and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX  that my credit score dropped. I went online and saw the debt collection company " XXXX XXXX XXXX XXXX '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of Brett M Borland and the company " XXXX XXXX XXXX '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX  to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: OH
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 credit reporting agency did NOT follow the guidelines for notifying that a debt is disputed by the consumer. On XX/XX/2021 I disputed an alleged debt with EXPERIAN, ( original creditor XXXX XXXX ). I received a response on XX/XX/2021. 

This complaint is not concerning the determination of said dispute. Instead, this complaint shall address the failure to update a notice on consumers report that said account has been disputed by consumer. 

Below is two violations that EXPERIAN is in fault of. 

FDCPA 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

FCRA 623. 
( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) 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. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXXam demanding the deletion of the accounts listed Immediately.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1100.00}

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 explanation