BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served paperwork for me to go to court for a medical debt. I immediately got ahold of Wakefield and Associates to try and setup monthly payment. We agreed on {$200.00} a month. So I made a payment for the next two months without any payment voucher or notice that I was paying my debt. I asked them repeatedly to send me a monthly bill and they have not been working on it. So I am not going to pay someone blindly without any proof that I am lowering my balance. I was mailing in money orders for over 2 months after the first payment voucher was received from them. I had to mail it to them with just a address and I was not sure if they were crediting my account. I stopped doing that and again asked for a payment voucher and they were not able to do that. They told me that I wouldnt have to go to court for the doctor bills. Now I have found out that they went to court without my knowledge and I have a judgment against me. They are very rude and they dont have a soul. I dont know what to do now. I paid {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered & paid for a black Jersey with Red numbering on XX/XX/XXXX from XXXX I asked for a status update on my order on XX/XX/XXXX ( order XXXX ) I received the Jersey on XX/XX/XXXX, it was gray with military print numbers, it did not look anything like the jersey in the order I contacted the seller, after providing pictures of the wrong jersey, i received an email say they are sorry for the inconvenience, told me shipping is expensive, and offered me a discount on a future order. 
After emailing the seller did not result in a return label, or anything other then a apology for the inconvenience, i tried to dispute the transaction. 
{$53.00} for the item & shipping, {$1.00} foreign transaction fee I tried to dispute the charges after i looked up the company online, and the email that i'm getting replies from shows pages of other people that were scammed by this company. XXXX SCAM They have since taken down the website i used to order the jersey, but there are countless others. 
Citi card ( 2 % cash back card ) stated since i'm still in possession of the jersey, they will not honor the dispute. I have explained to them several times that the seller is no giving me an option to return the item. 
I'm hard pressed calling it a dispute it is fraud, since all the complaints are the same, order one thing, get something else, don't offer any meaningful way to return the item and the credit card company refuses to honor the dispute.

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 2020-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is in regards to Chase 's debt collection and credit reporting practices. I had a personal credit card with Chase, on which I had not made a payment due to a long-standing ( and well documented and sent along to Chase ) issue receiving mail at my address. I then received multiple phone calls from a debt collector misrepresenting herself as a representative from " Chase Business Banking '' on multiple voicemails, despite calling me about a personal card. I checked my business accounts and found them to be in good standing. I also attempted on numerous occasions to contact this agent through the phone number she left for me, but she did not answer any of my phone calls, or return any of my voicemails at the times that I indicated I would be available. It is possible that some of these phone calls were made to me before XXXX XXXX, but I can not validate this without the Chase phone records. These phone calls directly led to my being unaware of this debt, and in fact, as soon as I was made aware, the balance was paid off in full. This misrepresentation of facts directly led to interest, late fees, and most importantly, negative credit bureau reporting actions to be taken against me. This misrepresentation is an Unfair and Deceptive practice, which has clearly led to negative consequence for me. I have made numerous attempts to have Chase representatives look into this, both by phone and email over the past few months. On every occasion, Chase has steadfastly refused to answer any questions about these phone calls which directly led to my late status, and at least 2 Executive Office representatives admitted into not investigating despite my consistent prodding. 

Additionally, after making a payment in full through the Chase website, my account continued to negatively accrue late fees and interest. I flagged this issue to multiple Chase representatives who, ultimately, agreed that this was a process error and waived all of these charges on my account. Despite this, Chase AGAIN reported this account as late to the bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12
Company: DISCOVER BANK
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear Officer, My discover cashback debit account ( 8359 ) has been posted with a check withdraw with the amount {$4800.00}. However, it turned out the check is not wrote from my account, and the people who wrote the check is not related to me at all. It was Discovers '  system error that mistakenly link my account to somebody else 's check.However, if I did not notice this transaction, my money will be transferred out of my account. 

It was the 2nd time that I found out Discover bank posted a completely unrelated check to my account. I can not rule out if there are other wrong transactions that I am not even aware of. I have to fill an official complaints to protect my rights because this type issues happen over and over again. 

Due the lack of safety and accuracy by the Discover system, it costs me financial loss as well as tons of my time to communicate again and again with their customer services. Therefore, I urge the bank to give me an official solution to prevent from these issues and pay me compensation for all my loss in money and time because of their wrong-doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 8 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from 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 non-monetary relief
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.  I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX  texas opened an american express card under my business ein XXXX. I contacted the fraud department and they wont do anything. This will affect my business credit profile. my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$5000.00} was fraudulently transferred out of my First Horizon Business banking account XXXX on XX/XX/XXXX to someone in XXXX. I become aware of this when I became victim to other Identity Theft crimes in early XXXX. I contacted First Horizon to open a claim and they were unhelpful and did not assist at all. This is a serious matter and they were unwilling to assist in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been unable to use my Comenity Capital Bank XXXX XXXX credit card in over a month. I have made numerous phone calls to get resolved only to be told I have to speak with the Security Department and left on hold for over 40 minutes at a time with no Representative ever picking up. I do not have an hour to sit on hold and wait for a non-existent representative. I am very frustrated, I have never missed a payment or made a late payment and I just want to be able to use my credit card. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I ( XXXX XXXX ) am currently in the middle of buying a property, when my lender ran my credit score I came to know of a non-authorize/fradulent account under my name with XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX I tried calling them XX/XX/XXXX and once again today XX/XX/XXXX gave them all the information possible ( phone number, address, ssn, name and date of birth even account number showing on credit report ) and they/XXXX XXXXXXXX were still unable to find the account. 

They XXXX XXXX did confirmed they will open an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
I previously submitted a dispute regarding the charge on my card on XX/XX/18 by XXXX for {$1100.00}. My rental contract included unlimited miles, however, I was charged an additional $ XXXX+tax for mileage on this vehicle. I submitted the original rental contract to Chase, however, Chase made to the decision the charge was valid even though I was charged for something that should have been included according to the contract. In the explanation as to why Chase found the charge to be valid, no actual reason was provided and no documentation or explanation was provided on either attempted dispute. 

I believe this was a failure of the Chase dispute analyst to view the supplied documentation and honor the original contract price.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA loan, I faced a FEMA disaster XX/XX/XXXX with the Ian Hurricane that hit Florida, I had damage in my roof my insurance did not cover that, I called at the beginning of XXXX to Flagstar Bank and the institution offered me a disaster forbeacence. Due to that I have arrears on XXXX, I am paying my mortgage since XX/XX/XXXX good bc I can pay my mortgage, I have income to pay my mortgage. On XX/XX/XXXX they denied my loss of mitigation application. XX/XX/XXXX and XX/XX/XXXX I appealed the decision asking the lender to put the arrears on the back of the loan as VA CARES ACT stated is allow to do and they continue to not wanted to do and giving me only option to foreclosure. The lender is violating the veterans CARES Act. I called my VA Loan Technician and he stated to me that they should put the arrears on the back of the loan as the CARES ACT comply. The CARES ACT stated that the missed payments may be paid back over time with no time frame of pay specifying and my lender should provide those to me by law ; however, they are in violation of this act and not giving me that option, only to foreclosure.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

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 2019-03-21
Company: Ocwen Financial Corporation
State: WI
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:
Ocwen Loan Services has filed 3 corrections to XXXX regarding my XX/XX/XXXX payment. It was erroneously reported as 30 days late. 
XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XX/XX/XXXX AUD # XXXX XXXX  claims Ocwen confirmed the report of 30 days late. Ocwen claims what XXXX claims is false and uses the above three AUD numbers and dates to prove they are not reporting my XX/XX/XXXX payment 30 days late.

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 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2016 a locksmith service provided services to replace a broken automobile key. I was handed a BLANK INVOICE with {$280.00} written at the bottom. I was asked to write my contact information at the top. The price was significantly higher than I expected but agreed to the {$280.00}. My credit card was processed and the work was completed. When I received my credit card bill the amount charged was {$780.00}. 

When questioning the charge I was sent a copy of the invoice with multiple line items written in AFTER THE FACT which totaled up to {$780.00}, although the total at the bottom still ready {$280.00}. 

On personal investigation of the locksmith company I have found this is an illegal scam operation with an endless list of consumer complaints of fraudulent charges and over charges. XXXX XXXX acts as a biller, broker, and licensed FRONT for UNLICENSED independent locksmiths. They have had their locksmith license revoked several times. The just move to a new address and open a new company and resume their fraudulent operations. 

Disputing the charge with Bank of America, B of A has repeatedly ignored the facts I have presented, including a complaint I filed with the California Department of Consumer Affairs , Bureau of Security & Investigative Services who found irregularities warranting a higher level of investigation for XXXX XXXX. You may contact them at ( XXXX ) XXXX and reference complaint # XXXX. B of A 's response as simply been that I was billed correctly because the line items added up to the total I was charged. 

B of A has failed their duty to protect consumers from fraudulent merchants. As a result I refused to pay the entire charge of {$780.00}.

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
Consumer complaint received 2020-08-18
Company: Medical Society Business Services, Inc.
State: AZ
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 have a loan with XXXX, BUREAU OF MED ECONCS, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BUREAU OF MED ECONCS, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: OH
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:
There are inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are inquiries on my credit report that I did not authorize : 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 2019-02-12
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report.

Company response to consumer: Closed with explanation