BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITIBANK N A add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery keeps calling me numerous times per day spoofing numbers. I block the numbers but they justy spoof a new one the next day. They never leave a mesage and I have no idea why they are calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME XXXX, I AM A XXXX, XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a boyfriend overseas, who I met online. Hes told me he trying to come back to Ohio and he needs to get things done before he arrives back. He told me that he would deposit money into my account from a company that he has people working for him in and wanted me to help him send this money to certain places and people to help him get a place to stay, car, furniture etc for when he arrives back. The deposit came through on XX/XX/XXXX from a company named XXXX XXXX. He asked me to go to the bank on XX/XX/XXXX, XXXX, XXXX to withdraw large amounts of money and send it to certain people. I didnt think anything of it because he sold me on a dream that he was preparing to come home to me and my children, hes spoken about marriage and has even sent me gifts to my home for XXXX XXXX and my past birthday in XXXX and he said he was trying to get things together for us before he arrives. He then asks me to go to the bank again on XX/XX/XXXX. The day of XX/XX/XXXX I attempt to go to the bank and withdraw the amount he asked me to withdraw and it was not approved and thats when I was told they are now looking into the account for fraud. I had no idea all this was going on. I truly believed what the guy I called my boyfriend was saying to me, seeing as I have been talking to him since the beginning of 2020 in XXXX. He was telling me because of covid pandemic he can not leave right now and he has to send his funds over now to get things ready for us before his return and I was just oblivious enough to believe it. On XX/XX/XXXX after I called the fraud department to see what was going on and they told me it was being investigated, I became scared and upset because I did not know what was going on and I immediately called the attorney generals office and told them I suspected I had unknowingly been involved in a scam and fraud. The lady I spoke with took my information and advised me to file a police report and get copies of it and file a complaint with consumer finance bureau because she suspects I was apart of a Relationship Scam. I then called the police and had them come out to my home so that I can provide a police report of what was going on. I honestly had no idea that this was going on and I was unknowingly involved in something I would never in my life do! Im a full time XXXX with 3 jobs and XXXX kids. I would never put my children in jeopardy like that! Ive called today to request a copy of the police report to add it to this but they said since it was given last night ( XX/XX/XXXX ) it will not be finished until XX/XX/XXXX and thats when I will be able to forward it to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have disputing a DISMISSED bankruptcy since XX/XX/2020. It has only been verified by public record which ANYONE can place items in public record! The BK courts can no longer legally verify the information therefore it needs to be removed! Since the bureaus didn't respond to my first complaint I submitted another dispute with them on XX/XX/2020 and again on XX/XX/2020. This is uncalled for the lack of what the bureaus are REQUIRED to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently obtain a copy of my credit report and noticed several accounts that did not have any knowledge of

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 2022-10-11
Company: Experian Information Solutions Inc.
State: MN
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:
after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX  after a phone called i have prior to XXXX  XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove e this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.

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 2021-01-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The credit card was opened and payments were made however we had financial hardships and then the pandemic happened. there was a reduction of pay in the household as well as a death of an immediate family member. I reached out to JcPenny who originally owned the account and offered to make $ XXXX monthly payments as long as no other interest is applied at the beginning of the pandemic explaining the household situation. I asked for a written confirmation. They did not reply. My father who is also Mr XXXX but with a Different Middle Name and the true owner of the house was just served a summons in my name and recorded without his consent - the gentleman that served said he was from the county of XXXX XXXX - he thought it was contact tracing and COVID related as an immune suppressed veteran, the gentle man. The lawfirms information was incorrect. Additionally the lawfirm did not send any written communication regarding this or phone calls to me. The mother of my children was there to witness this all. This is unfair business practices and my father felt intimated.

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 2021-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: NJ
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-10-10
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, 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 an account without my written instructions.

15 U.S.C 1681 C. ( 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.

14 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a checking account with TD bank subject to a promotion offering {$300.00} for customers who received cumulative direct deposits greater than XXXX. The terms also stated that the offer was available to customers who did not have a checking account within the preceding 12 months. I had closed my previous account on XX/XX/XXXX. I met the requirements spelled out in the offer by XX/XX/XXXX but TD Bank is refusing to pay out the bonus because they say I am not a new customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
Ally financial has reported incorrectly on my credit I have been paying them every month an the only I was late was in XXXX due to hurricane Florence hitting us hard here in NC an I got it situated in XXXX when I call they speak very rudely to me. They are also reporting different information to all 3 credit bureaus Ive disputed the information a few times and they have failed to correct the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The information being reported is incorrect : XXXXXXXX XXXX  XXXX Act. # XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$960.00} XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXXXXX Balance {$350.00} XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX Balance {$190.00}

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 2020-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a conventional hoome mortage with Wells Fargo Bank. Recently, Wells Fargo emailed me and offered covid-19 assistance to defer three of my mortgage payments. Wells Fargo claimed that the deferment of payment wasn't going to effect me in any way, shape or form. They weren't going to report me to the credit bureau, they wouldn't charge late/interest fees. Long story short, I wasn't going to be reflected on my account at all. All I did was go on my Wells Fargo Account page, clicked a couple of buttons and automatically enrolled. A couple of weeks ago, I started a refinance on my mortgage to lower my interest rate. I completed everything with my refinance company. The called me a couple of days ago telling me they can't refinance my loan because it shows me being in " forbearance '' status with Wells Fargo. I was told that Wells Fargo listed my account in forbearance, and indicated that zero payments have been made on the mortage to the credit bureau. They never EVER mentioned once that I wouldn't be able to refinance my mortgage if I take advantage of the payment deferral with them. I feel like I have been lied to and now I won't be able to refinance my loan for at least 1 year, which Wells Fargo never told me before. I have been devastated because I needed the refinance to lower my monthly payments and Wells Fargo with their shady practices have ruined that opportunity.

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 2023-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Chase Credit Services XXXX XXXX XXXX This letter is in regard to the information that you are reporting to my consumer credit profile and a request to remove the item off of my credit report. This is a valid request as stated in the following Regulations. 15 U.S. Code 6802, 6803, 6804, 6805 I never gave consent for this nonpublic information to be disclosed to any third party, if consent was given and conspicuously hidden. It also stated in your terms and conditions that you do not disclose any information to a non-affiliated third party company. 

The account is also showing to be charged off and therefore a 1099 has been issued and the IRS states that when the debt is charged off, it is then considered income.

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice This was not a clearly provided and conspicuous notice that accurately explained the right to opt out.

( 5 ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( 5 ) ( g ) ( 1 ) Duration of consumers opt out direction. A consumers direction to opt out under this section is effective until the consumer revokes it in writing. 

( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX. ) Obligations with respect to disclosures of personal information ( b ) Opt out States A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless - ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) - Disclosure of institution privacy policy ( 2 ) with the consent or direction of the consumer. I am rescinding any disclosure and giving you direction that this information shall not be disclosed to any third party including consumer credit reporting companies. 


I am asking that these accounts be removed from all three credit reporting agencies, due to your violation of terms and conditions. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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:
I have Transunion 's TrueIdentity  and have requested multiple times for them to stop contacting me with promotional items, on line and over the phone, several times. The company refused to stop contacting me and is of absolutely no assistance in the matter. To make matters worse, the promotional emails contain a link to unsubscribe, which I have done and yet it does not work. The promotional emails also say you can log into your account and change your user preferences, which I have done and yet it also does not work. On top of this, I have called Transunion several times to request them to stop the emails, but they say they are unable to help me. They said I need to get on the Consumer Credit Industry opt out program, but I am already on that list. 
I highly suspect they are unwilling to help me, and this whole process my be illegal. Please investigate the this matter. It's just incredibly rude & possibly illegal. Thank you

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