BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

XXXX XXXX XXXX XXXX XXXX XXXX TN Child Support

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 2023-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Hi, This is regarding what appears to be a violation of the Fair Credit Billing Act. I am an XXXX XXXX small business credit card holder. On XX/XX/XXXX I was charged {$11000.00} by a vendor with the merchant XXXX for custom-sized doors. Upon receipt of the goods, I realized they were made to the improper size ( specified in written agreement ), among other misleading/fraudulent practices by the merchant, who failed to rectify the situation. So I submitted a dispute with AmEx to get the charge refunded.

I sent all requested and necessary proofs documenting this dispute to AmEx, including detailed photos and explanation of the incorrect goods. I have waited 4 months for AmEx to process this dispute ; AmEx said they were waiting on the merchant, which is a XXXX corporation and difficult to reach at times. Because of this and constant miscommunications with AmEx, I have had to resubmit this dispute several times, most recently on XX/XX/XXXX. 

Finally on XX/XX/XXXX, I received written confirmation from American Express ( attached ) that this dispute was resolved in my favor and that I would be receiving the credit on my account shortly, as well as email confirmation. 

However the next day, I received a message from AmEx saying this dispute was closed and NOT resolved in my favor, contrary to their previous confirmation. When I explained to the representative that I was already told that this was closed, they denied their previous confirmation and said it was a mistake. So I then asked them to provide documentary evidence as to why, but they did not. 

As of today, it appears that AmEx " reopened '' this case without providing any required and requested documentary evidence of why they closed the case against me in the first place. ( They instead request documentation from me, which has already all been uploaded as you can see under Previously Uploaded Documents. ) I request a resolution in which American Express honors their original confirmation that this dispute was closed in my favor by crediting my account for the full amount of {$11000.00}. I also request they remove any and all interest charges from this disputed amount over the 4 months its taken to resolve. 

Thank you. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: HI
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:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-03-31
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
Good evening this complaint pertains to a method of verification request I submitted to EXPERIAN after they claimed to have verified accounts on my credit report. I submitted this request circa XX/XX/2023 and Experian alerted me on XX/XX/2023 that account disputes were opened ; which is their usual practice whenever they recieve a dispute/request letter from the consumer. In the letter I requested the method of verification for the -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accts that appear on my EXPERIAN credit report that EXPERIAN claims to have verified as accurate. To date EXPERIAN has NOT provided me with the method of verification for the above mentioned accts and has closed my account. Screenshots of the notifications from EXPERIAN and the dates are attached to this complaint. FCRA section 611 states a consumer reporting agency shall provide to a consumer a description of the method of verification with in 15 days from their receipt of my request. To date It has been XXXX XXXX days and I havent received a response or verification. This is direct blatant NEGLIGENT violation and I demand these accounts are removed from my report immediately due to EXPERIAN S lack of compliance.

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 2023-10-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX bank said clear on XX/XX/XXXX now there saying XXXX XXXX which is insane I called bank and casino who issued check they verified check my bank told me they havent received funds casino called me today and stayed funds were paid to citizens on XX/XX/XXXX so I cant figure out why they are playing with my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-31
Company: Key Mortgage Services
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My husband and I applied for a home loan with a company called Key Mortgage. 

On XX/XX/2023, XXXX of the employees of XXXX Mortgage named XXXX XXXX sent a denial letter for the loan with attachment of both my husband and my credit report. She sent this, without my husband or my consent to the real estate attorney, who in turn canceled the purchase contract of the home we were suppose to buy without our consent. We had other options to purchase the home but as a result of her negligent actions as well as the attorney, we lost the home.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On or about XX/XX/2020 I opened a bank account with JP Morgan Chase using a check from a payday loan. When I went into the branch I was advised that my account had been closed and Chase no longer wanted to do business ' with me. unbeknown to me, The check i deposited was a fraudulent check. I gave them the debit card back and exited the building located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. I decided recently to open an account with Chase and I came to find out another account was opened in my name that I had no knowledge of. And some how over {$1000.00} was deposited in that account. Going by the statements The account was opened with over {$1000.00} deposited into that account from my wife 's account and the account had one transaction which was foreign currency in which I have no experience with and have never traveled abroad. The rest was debited at {$12.00} per month in service fees for 3 years. The account remained dormant. I am demanding all of my money back that was debited from my account as I was completely unaware of this account. And it appears my wife 's account had been breeched as well. As she had no knowledge of the funds transfer. I dont understand how a bank can allow an account to be dormant for over XXXX and not report the funds to the state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
During the pandemic of 2020, I was receiving my XXXX funds on the u s bank reliacard, with no issues for months. Then upon the emergency relief aid from the XXXX came more relief funds, as The crisis became a longer shut down. Well outta of nowhere I was blindsided by the last XXXX to XXXX weekly XXXX deposits being frozen by USBANK. For months upon months I offered to ID VERIFY, send info, or fax anything .... they went of no assistance and they were unreachable during the pandemic for the most part. They always redirect me back to the XXXX  office which redirected me back to them because they were the ones doing the illegal activities. 

I was left in great distress because if this and face painful hardships because of them, that still leaves me feeling victimized, enraged, and extorted. 

I would like every single dollars of my hard earned tax dollars Unfrozen and claimed to me via a direct deposit or check. 

Not certain, but I'm surely owed about {$1200.00} to {$1600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.

As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C.S 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S. C.1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permIssible purpose to obtain consumer credit file pursuant to 15 U.S.C . $ 1681b ; 4 ) Provide consumer credit file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and ventiable proof, you must remove all unverified. invalid, derogatory information from my consumer disclosure report.

For your convenience, I am attaching you a list of the Items you need to verify them Please correct this by the removal of these items from my consumer report.

Upon completion of your investigation, please send a detailed description of the procedures determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information the agent conducting the said investigation in case further communication is necessary. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously on several occasions requested a description of the procedure used in investigating these accounts on my credit file but have not received them. This company is violating my rights under 15 U.S.C 1681.

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 2023-11-01
Company: Continental Finance Company, LLC
State: CA
Product: Credit reporting 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 am a victim of identity theft. I am a victim of XXXX data breach i have had my account hacked many times here are some documents to prove and back support that 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

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 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
{$760.00} XX/XX/2017 the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX at XXXX XXXX  eastern time my account checking and savings for no reason I had funds in my account to pay bills and when I called to see why it was closed they informed me they don't have a specific reason

Company response to consumer: In progress
Consumer complaint received 2020-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage company SPS in XX/XX/2020 to obtain a forbearance for my mortgage loan due to my wife 's wages being reduced to COVID-19. I was told on the phone call with the call center agent that I had been approved for a 90-day forbearance plan. I received a letter dated XX/XX/2020 stating the terms of my forbearance. The forbearance terms in the letter stated that my forbearance began with the XX/XX/2020 monthly payment, but I had already made that payment back on XX/XX/2020. My loan was current and due for the XX/XX/2020 monthly payment when I requested assistance. I had thought that my forbearance would be for the XX/XX/2020, XX/XX/2020 and XX/XX/2020 payments based on the verbal discussion with the call center agent. Yet, the terms list XX/XX/2020, XX/XX/2020 and XX/XX/2020 payments as covered under the forbearance and a balloon payment due XX/XX/2020. I am asking for assistance from the CFPB to have SPS honor the terms of the forbearance that I had agreed to in my call and have my first payment after my forbearance ends be XX/XX/2020. I believe that SPS is being deceptive in its assistance offerings. As a borrower who was negatively impacted by COVID-19 I don't feel that SPS is truly helping borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened a checking account offering a {$600.00} promotion after {$10000.00} in direct deposits back in early XX/XX/2023. Promo code for bonus was XXXX and entered during application process to open account. Requirements for the bonus were met but no bonus has yet posted to account. It has been 5 months.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
1.DEPT OF ED {$9300.00} UNVERIFIED/INNACURATE 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681b ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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