BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The first dispute with XXXX XXXX XXXX was already closed and they stated that they closed the account and sent it back to the XXXX XXXX XXXX. They stated that the account would be removed from my credit report and to allow time for this to be processed. However, it was not removed from my credit report ( date of last activity was in XXXX ) and they have started leaving voicemails all over again. This account was illegally re-aged to appear as a new negative account as of XXXX although the date of last activity was in 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 2021-05-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
during XX/XX/2021 i noticed that my identity has been stolen in fraud and used fraudulently to seek treatment

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I received a notification that a wire transfer of {$10000.00} was debited from my account. I had not authorized the transfer and immediately called Chase Bank 's fraud department to report the unauthorized transaction. I was given a case number after about XXXX hours on the phone with them and instructed that an affidavit would be send to my home address for me to sign. Uneasy about the uncertainty of the phone call, I called back a few hours later. I learned that the previous person I had dealt with had not correctly placed the report and the case number previously given was actually the SWIFT transaction number, not a case number. I was told a new case had correctly been opened and I should expect an affidavit in the mail. 

Having received nothing in the mail, I called Chase 's fraud department again on XX/XX/2021 for an update to my case. The individual on the phone mentioned they had not received a signed affidavit from me for the case so no further progress had been made. I let them know I had never received one in the mail, they also mentioned they had no tracking number for the original affidavit that had been mailed. I asked that another be mailed to me so I might get this resolved quicker. 

I still have not received an affidavit in the mail to sign and Chase has made no effort to contact me regarding my case. I am deeply troubled that I have been without over $ XXXX for almost a month now and Chase has been dragging their feet in resolving my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed and submitted information requesting removal of fraudulent account for collections for XXXXXXXX XXXX in the amounts of XXXX dollars XXXXdollars, XXXX. XXXX dollars and national credit system for XXXX dollars and XXXX XXXX This with XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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 reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( 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 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 2023-05-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 the letter is dated but I received it on XX/XX/2023 via mail which I disputed. On XX/XX/2023 I received a letter in the mail after disputing the account online with the XXXX credit bureaus. After the dispute I have received XXXX letters from Midland Credit Management and numerous calls ( which I dont answer ). Midland has sent XXXX different letters with XXXX different account numbers which are not matching any of my records nor is on my credit report. The accounts are not mines. I do not owe a debt that is not mine nor reporting to my consumer reports. I also looked up Midland credit management XXXX ID number which is not authorized in my state of residence to collect anything. Inaccurate XXXX info results in a direct violation of the XXXX XXXX, which is something i have been noticing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to aargon collection agency in XXXX regarding an alleged collection on my credit report. They responded and sent me a statement. In reviewing the statement, it clearly shows that their information is inaccurate, The service was shut off XX/XX/2017, as the property was sold. they are trying to charge me for service from XXXX to XXXX. I replied with a letter to cease collections also included the home loan settlement statement showing everything was paid. 
THIS IS NOT MY DEBT and it NEEDS TO BE REMOVED off my report immediately

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 2023-01-21
Company: EQUIFAX, 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:
XXXX, XXXX, and Equifax must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I used to have a credit card with Bank of America and after fraud on my account I stop using. I started receiving text messages to click on a link and when I called the XXXX number instead of response to the text the bank said it was fraud because thats not the number I had on record for them to contact me. 

Today, XXXX XXXX, I received a letter stating Im being served in state court with a lot of information blacked out on the documents so I cant dispute. The envelope didnt have any return address and appeared used.

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 2021-11-11
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to remove from reporting : XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I originally made three ( 3 ) transactions on XXXX for Bitcoin XXXX BTC ) payments. Each payment went to a scammer unknowingly. The scammer refused to provide the product as he promised, leading to the final realization that I was truly scammed. 

The three ( 3 ) transactions were all online, each occurring on XX/XX/2021, XX/XX/2021, and XX/XX/2021, in that respective order. The total amount of money scammed through the online platform Moonpay.com was {$6200.00} XXXX USD worth ), which is a high number. 

Afterwards, I then filed three ( 3 ) separate claims through my bank, Bank of America, hoping that they would fully reverse all the amounts into a refund back into my checking account. Unfortunately, Bank of America refused to refund each transaction, meaning that I had to pay back the full monetary amounts within one ( 1 ) month of claim closures. They denied the claims because they told me that the transactions were authorized by myself, which is true, but the money went nowhere useful, so it is lost, for now. 

I am extremely disappointed with how this all turned out so far, and now I am scrambling to get my money back that I lost. I will contact the Delaware Department of Justice Attorney General as soon as possible so I can get my money back legally and without any issues moving ahead. Hopefully a final solution will be resolved. 

Please see the six ( 6 ) supporting documents that describe this complaint in full. Three ( 3 ) of the documents are the online PDF claim rejection letters from Bank of America, while the other ones are just JPG screenshots of each of my claims on Bank of America 's website, indicating the claims ' processes with given timeline dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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 recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX XXXX requested Experian to investigate and then re-investigate XXXX XXXX XXXX Account number XXXX which shows charge off on my report for over 2 years. I requested that because the amount is over {$600.00} and NO 1099c was given since any " Canceled debt '' over {$600.00} according to The IRS canceled debt is to be reported as income and no longer able to be claimed as debt. Canceled debt must be reported as taxable income and filed through Form 1099-C.

If the canceled amount is {$600.00} or more, then an individual is required to file with the IRS. In addition to this violation Experian continuously reports CO  from XXXX of XXXX  to present essentially re-setting the CO date each and every month. All of these INACURACIES are adversely affecting my credit report and ability to obtain new credit. I called Experian and requested INFORMATION pertaining to this issue ONLY and was told that they could NOT provide ANY information on who and what was used to legitimatize this investigation and re-investigation. I spoke with many representatives at Experian on XXXX XXXX only to end up talking to a Manager named XXXX on the same day about XXXX who ultimately informed me the only thing he could do is dispute the matter again. I argued that I do NOT wish to be flagged as a frivolous disputing person since I have already disputed the account several times and that Experian 's Investigation and Re-Investigation would have proved with the factual evidence and by law should be removed from credit profile had it been investigated properly in the first time. I exhausted all my abilities to rectify the issue with Experian which included the request to speak to a legal dept, other managers or higher up managers via phone and or email to which XXXX declined and ultimately hung up on me.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-09-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Unfortunately, my mortgage was involuntarily transferred to Carrington. I am XXXX XXXX XXXXXXXX veteran. 

I was behind payments due to covid ( I was XXXX ) and I had it worked out with XXXX XXXX. My loan was transferred to Carrington and the amount due seemed to have tripled.

I currently have a 2.5 interest rate and all Carrington offered is to increase my interest to 7.6! Instead of just putting the past due on the end of the payments. Even the rep I spoke with that works there couldn't believe they are increasing it that high ( which will increase my payments XXXX a month )! I don't know how this is legal. 

I had until XX/XX/30 to pay the past due of XXXX ( I have screen shots stating that ) which I planned on doing. Two reps I spoke with advised me that I am good until XX/XX/30 and I was so worried they would try something sketchy before then. 

On XXXX I made a XXXX payment online ( more than half of what I owe )- they posted the payment and then shut off my ability to make online/phone payments. I called today to see why I can't make payments online and was told since I didnt agree to the loan modification I no longer have until XX/XX/30 to make the payment and I can go in foreclosure at anytime. 

They really do not want people to pay their debt. They would rather take my home. I am XXXX XXXX XXXXXXXX veteran, single mom of XXXX making payments to keep her home and they are doing everything to make it as hard as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Frontline Asset Strategies, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter from Frontline Asset Strategies LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN XXXX stating that I owe XXXX {$80.00} for an account number ending XXXX which is different than my existing XXXX XXXX account number. I contacted XXXX XXXX to understand what was this account about and XXXX XXXX team could not locate the account. Then I went to the nearby XXXX XXXX service center to verify my credentials and later XXXX identified the account is for a wireless internet service which they claim that I opened XX/XX/XXXX. I was not aware of any such accounts. I have never received any email or phone or chat or postal communications regarding this account from XXXX XXXX  and I didnt use any wireless internet service under that account. In fact ; I never knew I had a wireless internet account with XXXX until I received the notice from collection agency. I have never used any internet service under this account. 

Without providing any kind of communication about this matter, XXXX sent it to collections and collections reported this matter to credit agency. I disputed this charge and requested collection agency to provide all email/chat/postal correspondence regarding this account and usage information ( data upload/download for internet ) from this account. I havent received any such response from XXXX or collection agency yet. 

It is very upsetting to see that this is reported to credit agencies which will deteriorate my credit score tremendously. 

I wanted to file a complaint against XXXXFrontline Asset Services for unethical practices and request to remove the collection report from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit today and there's a collection input from NCA, a debt collection agency for a debt in thr amount of {$1900.00} from XXXX XXXX. I've disputed that debt several times and I've never received any phone calls nor emails nor mailings from NCA. However according to my credit report, NCA posted on my credit report that I opened the account with NCA in XX/XX/2023. Which is a lie. That debt with XXXX XXXX is more than XXXX XXXX XXXX. NCA is reporting fraudulent, misinformation, wrong information on my credit report without my acknowledgement. I would like third removed on my credit report. I do not owe NCA any monies. They've never contacted me and I did not open nor obtained any loans from them in XXXX.

Company response to consumer: Closed with explanation