BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Cascade Capital, LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Cascade Capital Funding , LLC incorrectly reported an account to my credit report. Also, they shared my personal information to third parties without my consent. 

Cascade Capital Funding , LLC shared my information with XXXX XXXX XXXX XXXX XXXX. When I tried to identify/investigate the account/account number that was provided by XXXX XXXX and was listed on my credit report - XXXX XXXX XXXX COULD NOT IDENTIFY/VERIFY NOR CONFIRM THE DEBT. Therefore, XXXX XXXX XXXX XXXX XXXX sent me a physical letter in the mail ( will be uploaded in this report/complaint ) in which stated that the account was closed and deleted. This was XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, there is an alert from XXXX saying that XXXX XXXX XXXX reported a debt collection account, which is the same account that XXXX XXXX XXXX said would be deleted and removed from my report. 

My consumer rights have been violated. This debt was not verified and was removed from my report and then added again. My information was sold/shared with a third-party without my consent. I did not receive notice of right to dispute. An investigation did not occur prior to this account being added to my credit report. And when I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX via telephone number XXXX, they informed me that they were now XXXX XXXX XXXX. Again - my personal information was shared with third-parties without my knowledge.

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 2021-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 <<<ADDRESS>>> Dear Sir or Madam : I am writing this email to kindly request your help regarding an identity theft incident I have been a victim of. My phone number has been transferred to another SIM card and then used by another person to withdraw money from my bank account. I could not file a police report because Chase is unable to provide an affidavit of fraud which is required by the police department. Neither Chase or XXXX is willing to take any actions on this matter and thus I have arrived at an impasse that has so far proven impossible to overcome. 

First, let me briefly explain what happened. On XX/XX/2021, my phone suddenly lost service. Once I contacted XXXX customer service, I was informed that my number had been transferred to a different SIM card. According to the XXXX representative XXXX spoke with, this transfer occurred at XXXX XXXX  EST. Subsequently, it was disabled at XXXX XXXX   EST. Thus, between XXXX XXXX  and XXXX XXXX  EST, my number was being used by another individual. That same day, at XXXX XXXX  EST, the same phone number was used to make an unauthorized money transfer through my bank ( Chase ). The wire transfer was made for an amount of {$4900.00} to a XXXX XXXX XXXX XXXX Bank account under the name of XXXX XXXX. 

After contacting XXXX, I attempted to file a police report. However, I was informed that in order to do so, I would need a written statement from Chase. Chase in turn requested a letter from XXXX detailing the number transfer that occurred ( which has been confirmed for me by phone already ). However, XXXX informed me that I would need to file the police report first. When I went back to the police, they still insisted on a Affidavit of Fraud from the bank. 

As I have run out of avenues to pursue in this matter, I am turning to you for help in resolving this situation. I would sincerely appreciate any guidance that might lead to moving the matter forward. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone from the company continually calls and leaves messages on my work line since on or about XX/XX/ 2018. Has never contact me personally or through mail. I am not sure what the debt is concerning, but since no information has been sent to me to physically look at the phone calls are a nuisance and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Attached is a police report for proof the following credit card accounts thats currently listed on my XXXX and XXXX credit report are not my credit card accounts : XXXX XXXX XXXX XXXX {$360.00}, XXXX XXXXXXXX XXXX {$610.00}, XXXX XXXX XXXX, {$330.00} and XXXX XXXX XXXX, {$340.00}. All of the hard inquiries currently listed on my XXXX credit report are not my credit inquiries.

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 2023-04-09
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My card was comprised on XX/XX/ heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting XXXX XXXX denied my dispute with no evidence how they reach that agreement I am highly upset I also filed a police report. I did not authorize none of those chorales my information was stolen along with my wallet and bag I will be reaching out to an attorney

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: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I opened a Chime account and funded same account from my XXXX XXXX account with a transfer of {$3500.00}. The money is from my internship at XXXX XXXX XXXXXXXX. My account was immediately suspended and I was locked out and have not been able to resolve this with over 50 emails emails and all the documentation they have asked for over 25 times. I keep receiving the same emails over and over again to no avail after I submitted my verification documents. I have called them every day for 2 months straight and keep being told my situation can only be resolved through submiting required documents to verify my identity through email and they will escalate my issues to the Protection Team. They kept asking me to provide the Bank Statement verifying the transaction from XXXX XXXX with the account number ending in # but after I provided that they asked for the same information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
On XX/XX/2020 I received an inquiry from XXXX XXXX which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest XXXX XXXX XXXX. 

I also got 2 inquiries on the same week from American Express. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
reference is made to CFPB complaints XXXX and XXXX, both of which assert The Work Number 's failure to provide a copy of my full-disclosure report and their repeated ongoing delay in sending my report to me. They keep asking for asking that has already been provided, namely documentation of my identity. In all requests, I have provided copies of my State ID that has my street address as well as my date of birth on it, a copy of my passport which confims the validity of the state id, a copy of my social security card which shows my full SSN, as well as a copy of a utility bill, which shows my mailing address and service address. Even in the above mentioned CFPB complaints, they, AGAIN, ask for ID that has already been provided. I will continue to file CFPB complaints, and send letters to the AG in their state and mine, until they comply with federal law and provide a copy of my full-disclosure report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since 2021, my mortgage company has not paid the taxes that I escrowed. I have been served papers twice by the Sheriff and even sued by the county. The official lawsuit notice was served XXXX and immediately submitted to Select Portfolio Servicing. We had several warnings and were even served months prior. All documents have been uploaded via their online portal as well as sent via email. They have promised numerous time that it would be taken care of and they never did. I ended up paying the county out of my pocket on XXXX to avoid losing my home. I also had to pay the court fees that were incurred by the attorneys that file these suits on behalf of my county. Still, they won't address the situation, continue to apologize and give me " absolutely worst case '' dates which they routinely miss. Now I am being told that it could take up to 45 more days to pay me back. This all began in XXXX of 2021 and they could never figure out how to pay the taxes on the correct parcel #. With one phone call to the county, I was able to find out the correct parcel and make the payment in person. Basically they just aren't trying as they could have done what I did and have the expertise to handle it better than I am equipped with. I have now been forced to double pay my taxes along with late fees plus the court fees for a total of XXXX ( taxes, late fees, court costs and c/c processing fee ). 
I also missed a mandated court date XXXX as they refused to give me any documentation of them " trying '' to pay the taxes but having the wrong parcel #. I was told that I would have to subpoena them to get that information. So I couldn't even go to court on their ( and my ) behalf with evidence unless I subpoena my own mortgage company. They refuse to let me talk with the tax department or the disbursement department claiming that it is against policy. 
The account number on the loan is XXXX The address in question is XXXX XXXX  XXXX, XXXX TX 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 2021-01-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a report back that I have serious delinquency and i want to know why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
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 Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2019-04-06
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a Loan from Marcus Goldman Sachs. The agreement was I would receive a statement every month and mail in my payment with a check. The payment is due on the XX/XX/XXXX of every month. It is now the XX/XX/XXXX and still have not received a statement in the mail.I called them and brought thin to their attention I have an Option how to pay this bill. They are trying to take one of the three options I have away from me.I still want the option to pay by mail. Do not want to get charged a late fee or interest because they did not receive the payment by the XX/XX/XXXX day of the month because I did not receve my statement on time. They told me they mailed out the statement on the XX/XX/XXXX. 
They also said I can pay by phone or online! It seams to me they are deliberately trying to get me to pay by phone or online so to save on paper work and collect a little bit more interest if they get my payment late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX  whose collection agencies are XXXX XXXX XXXX XXXX, LVNV Funding LLC, and XXXX XXXX XXXX is reporting XXXX conflicting a collection amounts of {$1500.00}, {$1300.00}, and {$1300.00}. This creditor is performing unfair practices, in which has a negative impact on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i got an email from Transworld systems inc about some kind of debt owed to XXXX XXXX XXXX i do not owe any company any money. 

i request Transworld systems inc to desist and Defrain and not call me or try to collect on debt that does not belong to me.. i need them to double check my ss number and date of birth i do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: CA
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
According to a previous CFPB complaint - XXXX, company promised that the promotional account opening bonus of XXXX $ + XXXX $ will be credited to me by XX/XX/XXXX. However, they didn't do it. When i raised a service Citibank Service Request # XXXX, they denied my request again.

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 2019-04-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I opened a " Simple Business Checking '' account under a promotion. The promotion 's terms are attached. 

I met all the terms of eligibility. I was not on that date a current holder of a Wells Fargo Business Checking account, I did not work for Wells Fargo, and I had not received a business bonus in the prior 12 months. 

Furthermore, I met the qualifications for the bonus by : 1 ) Creating my account on XX/XX/2018. 
2 ) Funded the account with {$25.00} on XX/XX/18 3 ) Deposited {$2000.00} on XX/XX/18 4 )  Completed 8 qualifying transactions within the 60 day period. 5 of these transactions were ACH credits, one was an ACH debit, and two were mobile deposits. ( The minimum is 5 qualifying transactions ). A csv of these transactions is attached.

5 ) The balance in my account on day 60 was {$2900.00}, well in excess of the {$2000.00} requirement. 


Wells Fargo sent me a letter contending I did not meet the minimum debit card purchases and/or payments ( also attached ) within the number of days specific. These documents clearly show otherwise. 

I want to emphasize that while the terms disqualify ACH transactions from counting as " debit transactions '', they also explicitly state that ACH credits are " qualifying transactions '' nonetheless. The exact wording is as follows : Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60 : Debit card purchases/payments ACH ( Automated Clearing House ) credits and debits Checks paid from your new account ( deposited and cashed ) Mobile deposits Wires ( credits and debits ) Wells Fargo Business Bill Pay or Direct Pay

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 2023-11-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see my previous complaint from XX/XX/XXXX. AmEx responded to you on XX/XX/XXXX. They LIED to you ( again, the third time! ) that this Dispute was closed in my favor and that monetary relief was provided. As of today, XX/XX/XXXX, this Dispute is still " In Progress '' ( open ), and the tentative resolution date is XX/XX/XXXX! Please see the attached. How many times would you accept a lie from AmEx? 
PLEASE help!

Company response to consumer: Closed with explanation