BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) RE : ACCOUNT NUMBER XXXX To whom it may concern : I originated a loan for {$3000.00} with XXXX in XX/XX/XXXX. Since I have paid {$350.00} on every third of the month by direct debit. My question to you is, should I owe more money on this loan now than the amount borrowed? My monthly billing statement dated XX/XX/XXXX is attached. 


Thank you for your assistance. 




Sincerely, CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my equifax or XXXX  score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the XXXX XXXX  and equifax said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called PHH mortgage today at XXXX CST by dialing XXXX. I was routed to an individual in the insurance department. She answered my questions regarding an escrow balance which she answered just fine. A couple of minutes after I hung up the phone, I received a call back from her. I immediately recognized her voice. She said that she was calling from the PHH insurance department, asked to verify my address and last four digits of my social, which I provided. As soon as I had done that, she hung up. 

This struck me as odd. The call disconnected right after I provided personal info. I tried calling her back at the same number she called me from ( XXXX ) and it turned out that the number is not functional. I googled that number and it seems that phone number is associated with an identity theft ring. 

I am concerned that a PHH employee is utilizing firm resources to gain access to clients ' info. I am concerned that my information was just compromised. 

I would like for someone at PHH to pull my call, research this situation, and get back to me ASAP with a resolution. 

I called PHH twice and asked to speak to a supervisor. On both occasions, my call was disconnected after a long wait. Im concerned that PHH has weak controls and is not concerned with protecting my personal info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered into a XXXX XXXX XXXX offered by the U.S. Dept. of Education XX/XX/2021. XXXX XXXX XXXX XXXX, email : XXXX, Website : XXXX  : XXXX payment were made XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XXXX XXXX. A total of {$780.00}. I was told that I qualify for the loan forgiveness program and that after making all of my payments which I did, that my student loans would be completely paid off in full. However it is still on my credit report as a debt that is still. My payment of {$780.00} will go toward processing my application documents enrolling me int the federal program. I was also told that I am subject to their 100 % guarantee policy listed in my proof of enrollment. If I am not approved through the Department of Education for the selected XXXX XXXX, then XXXX XXXX XXXX will reimburse me % XXXX of my processing fee back to me. 
client XXXX document : XXXX sending agent : XXXX ( XXXX ; XXXX XXXXXXXX XXXX XXXX like XXXX XXXX XXXX ) email : XXXX  ( XXXX XXXX ) was my person of contact. Once they got my money I never heard from them again. I believe my account was sold to XXXX. 
Because of this treatment, I had to change the dates of me purchasing my real estate investment properties because my reports are not up to XXXX standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I recently reviewed a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. TransUnion is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give TransUnion written permission to furnish this account on my credit report. TransUnion is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. TransUnion has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm having issues getting to credit bureaus to update and correct my personal information on my credit report.

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 2023-11-30
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Urgent Request for Immediate Removal of Paid Collection Account I hope this message finds you well. I am writing to bring to your attention the urgent matter of the collection entry on my credit report related to account XXXX. I want to emphasize that this account has been fully settled and paid in full. Given that this account has been resolved, I kindly request that you take immediate action to remove this entry from my credit report.

According to the Fair Credit Reporting Act, Section 609 a ) 1 ) A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed on XX/XX/2023. Chase Bank closed my account due to suspicious activity. Then the bank held my money for more than 3 months for no other reasonable action. My remaining money in my account before the restriction was {$31000.00}. Chase is the only bank I have, and I don't have backup money for my life. Then I asked my family to send me some money, otherwise, I could not live without any money. I make a regular call to the chase bank customer service line : XXXX. The agent always said the money was under investigation and asked me to call them back in another 7 days. I kept doing this for XXXX months and I haven't made any effective progress on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.

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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2020, I sent an inquiry dispute letter to TransUnion asking to validate information with these companies and to provide me with copies of any documentation associated with these accounts bearing my signature, authorizing the inquiries pulled from my consumer report. I requested that in the absence of any such documentation bearing my signature, I requested that these fraudulent inquiries be immediately deleted from my consumer report. TransUnion sent a letter in the mail stating that they verified that the information that theyre reporting is correct. TransUnion failed to send and provide me with proof or documents obtaining my signature validating these inquires. They also failed to show me how they verified this information. Recently I received another inquiry I did not authorize. I contacted TransUnion and they refused to help me. I submitted an identity theft report. These inquires are not tied to an open account. Due to the fact that I have fraudulent inquires on my consumer report, I am unable to receive any lines of new credit. I cant no successfully apply for a credit card, an auto loan, etc because of the inquires on my consumer report that I did not give written or oral consent to obtain. According to Title 15 U.S. Code 1681 ( n ), under civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will submit documentation of a recently denied application from XXXX credit card. I was denied because of the fraudulent inquires reporting to my credit file.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: NC
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 with the Fair Credit Reporting act XXXX XXXX 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

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 2021-12-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recently reviewed a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX. Experian is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Experian written permission to furnish this account on my credit report. Experian is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Experian has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
this card showed up in the mail spontaneously I don't want these products showing up in the mail unless I request 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 2020-05-23
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
RECEIVED VOICE MAIL MESSAGE STATING MY AMAZON VISA CREDIT CARD HAD BEEN FRAUDULENTLY CHARGED FOR A XXXX LAPTOP COMPUTER IN THE AMOUNT OF {$650.00}, AND A BLOCK HOLD HAD BEEN PLACED ON MY CREDIT CARD. ASKED ME TO RETURN CALL TO XXXX. UPON CHECKING WITH THE BANK THAT ISSUED THIS CARD, I CONFIRMED THIS WAS BOGUS JUST WANT TO REPORT THIS SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
To whom this may concern. I am writing this complaint on behalf of myself XXXX XXXX XXXX. On XX/XX/2023 I sent a certified letter to Equifax stating how they were in violation of 15 USC 1681 ( i ) Section B ( 2 ) Procedures and requirements related to previously deleted material. On or about XX/XX/2023 a negative account was removed from my consumer report ( XXXX XXXX XXXX ) and on or about XX/XX/2023 that same negative account was reinserted onto my consumer file. According to Congress as written in thee above law Congress states ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified nor did I authorize this Consumer Reporting Agency to furnish anything on my consumer file which clearly puts them in violation of my rights. I am DEMANDING that this negative item be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Account at Gemini has been frozen & Deactivated since XX/XX/XXXX. Ive sent their requested items a picture of a copy of my drivers license along with a hand written note with requested current date which was XX/XX/XXXX along with a requested XXXX underneath the date & a selfie photo of myself. I converted the file to Jpeg & sent it to them on the XX/XX/XXXX on their file upload & then respond to their email that I I've sent their requested information & asking them to please unblock my account. No one has since contacted me & my account is still locked out. I'm Unable to make any transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraudulent and Unauthorized card Transaction : On Saturday XX/XX/2021 I received a text message from Bank of America at XXXX  AM which isn't unusual. The text stated that my card was temporarily suspended and needed further verification to continue. I clicked on the link to verify my identity. The link took me to a website that mirrored Bank of America 's mobile online banking. I found nothing to be suspicious. After filling out the information, the website let me know verification could take up to 72 hours and to be on the lookout for follow up communication. I continued with my day as normal. I received the exact same text from the same number at XXXX PM. I found this to be strange because I was told that I had filled out the information. I panicked and walked to the nearest Bank of America to find out that my account had been wiped from an online external transfer. The perpetrator had used my information to hack into my Bank of America and my XXXX XXXX bank account. I received a fraud alert text message from XXXX XXXX that Saturday XX/XX/XXXX at XXXX AM, following a series of online purchases. And another fraud alert on Friday XX/XX/2021. Both of these fraud alert transactions were for billings outside of California. I have attached a copy of the text threads about fraudulent activity on my account. The text includes a link of the mimicking BOA website. Bank of America has denied my claim because the evidence shows that the information provided was correct and someone managed to log on and make an external transfer. However, someone used my information illegally. I have proof that the only withdrawals from this account have been ATM withdrawals until Saturday XX/XX/XXXX, when a cyber thief took all of my money and made an external transfer online because they are not me and wouldn't have been able to withdraw the money in person. XXXX XXXX has been diligently working with me and has credited my account of everything that was taken. Bank of America has not even credited me. The total damage from Bank of America, {$3200.00} were taken. I want to solve this case and I want justice to be served. I deserve my money back. I filed a police report, and want everything to be diligently checked.

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