BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The forced choice questions didn't quite apply to my situation so I apologize if I filled that out incorrectly. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX CO, XXXX. Today, at XXXX PM MST I received a call from an XXXX XXXX XXXX ' ( call was from XXXX XXXX XXXX XXXX from XXXX XXXX WV ) that told me someone had used my cell phone number to open an Amazon account. They said the charges were for XXXX XXXX and something else which I was unable to understand given the language difference in the total of {$8500.00}. They asked me if I ever used public wifi ( and I had just returned home from a trip to visit my daughter, so the answer was 'yes ' ). After being put on hold many times and being told that the merchandise would be delivered to XXXX, NY tomorrow, I was told that it was too late to do anything to get the money back and that a criminal investigation would be required. 

Another long hold. Another man came on, XXXX accent, and sounded like the first man, although I was told I was being put through to the fraud department. He told me that these fraudulent charges had been going on for 22 months and they had to figure out who the bad guy was ( insinuating it could be me ). I have had a really tough 2 months and I really got hooked although I have experience things similar to this in the past, yet not as dramatic. Another hold. The guy gets back on the phone and tells me that they have to file a criminal investigation and they were going to call the nearest police department to me to file with that PD. I thought a minute and gave them the name of the PD in my town where I live. Ten minutes later the XXXX XXXX XXXX XXXX calls from XXXX, as if it is XXXX of my contacts. Ironically, and maybe only a coincidence, but my old business phone number was XXXX - I retired with the pandemic ). I was on hold so I 'Hold and Accept ' to receive the call and it is another man with an XXXX accent so this is the first time I consider fraud. I'm really upset and he tells me to 'stop laughing, you could be in big trouble. ' At this point, I tell him that I will head to the police department myself ( XXXX XXXX Police Dept, XXXX XXXX CO ) and I can talk to him there. He says, 'are you disrespecting me? ' He says that he is XXXX XXXX and he's not at the XXXX, then he says he'll meet me tat the XXXX  and that I should bring a criminal lawyer with me. I'm XXXX XXXX XXXX with no arrests- why would I have a criminal on retainer? I went to the XXXX  who helped me determine what steps I need to take. 

I surely appreciate your help in this matter. I'm also taking steps to notify my bank, credit card companiess and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX : XXXX XXXX XXXX agent to principal. Surety reserving all rights and securities and interest due to the principal claiming Equitable subrogation. Had Multiple times I have reached out for VERIFICATION OF DEBT not validation I have not received NOT ONE true bill, contract with debtor and creditor signatures, or copy of the records used to verify these debts the 3 times I have disputing them. I have the documents unfortunately files are too large but to complete a total of 90 days 60 days passed the lawful timeframe! Matter fact one of the debts are in litigation! And ones a hospital bill in order to have a true bill which is itemized and that would breach multiple laws and codes, that means they have accessed my private information! WhICH I recall SHOULD NOT BE FURNISHED BY LAW! 15 usc 1681 pursuant 16 CFR 313.4 right to privacy XXXX XXXX XXXXXXXX has broken HIPAA laws and gram leech BLILEY ACT! I require compensation for the constant defamation of character, furnishing incorrect debts, stress and pain 15 usc 1682. One of them WHICH IS A RENT debt, I'm still in litigation and I DEMAND IT REMOVED FROM MY REPORT IT IS AN OPEN CASE! The other is a hospital bill in litigation due to a car accident and my attorney has contacted XXXX XXXX XXXX  more than once might I add. I have not received a true bill, or original contract or notice giving my explicit consent to furnish my private information on MY CREDIT REPORT! THIS IS THE XXXXRD TIME I HAVE DISPUTED AND EXPERIAN IS NOT ACTING IN GOOD FAITH PURSUANT TO UCC! I demand Experian perform with compensation for effecting my credit score negatively and report derogatorily allowing those fraudulent furnishments by deletions, and monetary compensation. I have sent XXXX XXXX XXXX a Cease and Desist a Proof of Claim, Default and opportunity to cure. It would be much obliged to follow the FEDERAL guidelines 21 CFR 21.72 Right to privacy and disclosures. I have not given XXXX XXXX XXXX consent to furnish debt on my credit report nor have I a contract with them. UCC 1-308 ALL RIGHTS RESERVED Without prejudice

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 2021-01-20
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: Their investigation did not fix an error on your report

Complaint:
Under Fair Credit Reporting Act, its against the law a debt collector to sale or report the same debt multiple times on the same credit report. I have complained about this issue beforehand & the Debt collector XXXX XXXX XXXX XXXX XXXX was removed but reappeared on my credit report. It's states in FCRA once debt collector has been removed due multiple erroneous & it can not put back on the 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 2023-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
I have been witch hunted by this company portfolio recovery XXXX XXXX And XXXX XXXX for 7 years now they are trying to sue me but I'm on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I applied for and was approved for a XXXX XXXX  XXXX issued by Wells Fargo on XX/XX/XXXX. I later received the card and made one purchase to my rental property. on XX/XX/XXXX I was informed that the three charges had been attempted on my card, all fraudulent. I then was asked to confirm if the charges were fraudulent and ended up in an hours long loop of customer service representatives, which ended up wasting the better part of a morning in order to cancel my card and have a new one sent. All of this for what was undoubtably the fault of Wells Fargo, who clearly had a data breach given the length of time I have owned this card as well as the lack of use. The amount of time and effort expended to resolve this problem from the consumer sides feels both unfair and almost punitive, given the fault lies entirely with Wells Fargo.

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 2021-01-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On the XXXX of XXXX 2020, I withdrew XXXX ETH  from Binance to Coinbase. I double checked the target address, and the tokens were received by coinbase but did not appear in my account due to BEP-2 network being selected. At the date of transaction, the ETH were equivalent to {$2900.00} USD. I have been a long time member with coinbase for 3+ years. All my personal information is verified with them. I contacted the support team on several occasions only to be met 15+ days later with an inadequate, automated response. Coinbase has the ability to credit my account with my funds, or at the very least send the tokens back to Binance, but they refuse to help and acknowledge my issue. Lastly, I want to mention that there exists a GROWING group of 80+ members, all whom share the same issue and have collectively lost over {$70000.00} USD, and are pressing to have this resolved. The attached document expresses the grandeur of this issue for itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2017 I did a consumer credit transaction with Marcus by Goldman Sachs. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. Goldman Sachs is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. Goldman Sachs failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is violating my consumer rights by furnishing and reporting XXXX collection  account that has already been removed from my consumer report by XXXX and XXXX because the original account was deemed to not belong to me ( see attachment ). Experian is supposed to be fair, impartial and required by law to ensure the reports furnished and reported by their company are 100 % accurate and can be held liable if not. My score was updated today ( see attachment ) however, this account is still being reported. Experian is blatantly disregarding federal law as well as my consumer rights. If this matter is not resolved immediately I will be happy to make this a federal matter.

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 2023-08-01
Company: EQUIFAX, INC.
State: MI
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 did not authorize nor approve these inquires. 
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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IN
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:
I received mail from XXXX in XX/XX/XXXX for three collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with XXXX. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. 

The three collection accounts then showed up on my Experian credit report. I disputed them individually on Experian on XX/XX/XXXX and the company notified Experian they belong to me ( they are not mine ). I disputed them again on Experian, said they are not mine and asked them to provide proof. They again told Experian they are mine and did NOT provide proof. 

I called XXXX again and disputed the accounts. I was told they would research and call me back within 3 days. Ive not heard anything from by phone or mail. 

These accounts are still showing on my Experian report. I want them removed from my credit report and I also want XXXX to remove these three debts from me because they are not mine.

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 2023-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had our mortgage sold twice in the last year and don't know why, because we have always made our payments on time. We had always paid our property taxes and insurance on our own. The previous lender added a monthly property tax escrow amount to our payment which we were able to manage. Then it was sold to the current lender and the escrow amount stayed the same until about four months ago when they increased it by almost double. I have communicated via phone, emails, messages on the website and have not gotten anywhere with them. They say the massive increase is to protect them from an increase in property tax. I could see a few extra dollars per month, but not double. The original amount of escrow gives them enough money to pay the taxes every six months with a little left over. We have continued to send them the original payment plus the original escrow amount and they refuse to post it as paid. Regardless of the escrow discrepancy, we are making our loan payment each month and they don't post it because the escrow is too low based on what they now want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXX 0f XXXX XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I found out someone has using my card, unauthorized using card. And has drained my account from {$4400.00} to {$4.00}. What would I do, I am a parent. How can I survived with {$4.00}. So I called Bank of America, complaining about my situation. And file a claim for the unauthorized transaction. The Bank of America so quickly denied my claim without any due process such as investigating it. I think someone has scamming for my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
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:
I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. XXXX will not remove this. I recently completed another dispute with XXXX ( XXXX/XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NY
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 date : XX/XX/2023 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2023 Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX In accordance with the Fair Credit Reporting act 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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!

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