BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX  : Account number : XXXX, The account is past the statute. 
XXXX  XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

XXXX  days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the XXXX  year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full 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 2023-01-25
Company: EQUIFAX, INC.
State: MA
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 been trying to get XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, 2022 removed off of my Equifax report for 5 months. There is no way to contact the merchant. No contact info. This is not me! Was fraud. I need these removed please! 
XXXX. My ONLY address is XXXX XXXX XXXX XXXX XXXX, XXXX, Ma XXXX. Please remove any other addresses. I have been trying for 5 months. 
XXXX. My name is ONLY XXXX XXXX XXXX. Please drop any other aliases. 
XXXX. Please remove XXXX. It has been paid since XXXX XXXX, 2022. 
XXXX. Please REMOVE XXXX XXXX XXXX  from my HARD INQUIRIES. THIS IS A FRAUD. I DID NOT AUTHORIZE THIS application and it took XXXX points from my hard earned XXXX! 
I reached out to XXXX XXXX XXXX, who wrote me a closure letter but XXXX wouldnt verify it. 
I have lost 3 apartments! I am told an answer from the Federal Trade Commission will count as proof enough to drop XXXX XXXX XXXX  from my XXXX report. I just filed one with the FTC last week.

Can I please get an email so I can begin this arduous process? 
The ONLY CARDS THAT SHOULD BE ON MY HARD INQUIRIES ARE XXXX  AND XXXX  XXXX. 
I HAVE EXCELLENT CREDIT HISTORY! 

HOW LONG BEFORE I GET AN ANSWER?! I AM UNABLE TO MOVE FORWARD IF THESE ARE NOT RECTIFIED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Professional Collection XXXX XXXX XXXX, XXXX  XXXX, IL XXXX To Disputes Department : This letter is in response to your recent claim regarding a collection, which you claim that I owe you {$84.00}. By lying and stating you mailed out letters to the above address on 2 different occasions is not true, as I didnt move to my new residence until XX/XX/2021, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Scratch Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 I received via mail a Notice of Default and Demand for Payment from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX that I was in default of payment for a SBA loan that I never applied for. The bank issuing the loan is : XXXX XXXX Banking XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: AL
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today XX/XX/14, I used XXXX to send a payment of {$170.00} for 2 tickets to a registered XXXX user with an email address of XXXX and a Chase transaction number XXXX. They provided me with that email. 

That person never replied back with any confirmation. I was scammed. I called Chase and spoke to their claims department who seems to say that they couldn't do anything other than submit a complaint to XXXX. They offered to email me with the request but to no avail I have received nothing. I am looking to track down what banking institution my money was sent to and who this person is. 

What is frustrating is that the bank absolves itself from this issue ( XXXX  ) but yet promotes it as the way to send money. There are no security features to prevent fraud or scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: VA
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:
Equifax did not investigate an account showing on my credit report properly. 
On XX/XX/2023 I disputed an account that is not mines, reference # XXXX Equifax never investigated the account ; the results were sent back on XX/XX/2023 as verified without any investigation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 checked my credit report from Transunion and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with Transunion and XXXX directly. 
I then contacted XXXX and transunion and they told me that I needed to speak directly with the companies again to remove.

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 2023-02-08
Company: EQUIFAX, INC.
State: CA
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 : Acct # XXXX, XXXX Bank XXXX Acct # XXXX, Credit XXXX Bank XXXX Acct # XXXX, XXXX Bank : Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Gurstel Law Firm, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Gurstel Law Firm asked me to make an offer on my debt. I made one of {$10000.00}, which was ignored. I then made another offer of about 40 % of the debt due the original creditor, which I had settled a different debt at 40 % with. I informed Gurstel Law Firm that I expected a response to my proposed settlement within five days, or I would consider the debt invalid. I received no such response, and Gurstel Law has continued their lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We went through a loan modification starting with XXXX  XXXX XXXX in XXXX and during that time our loan was transferred to Selene Finance as a servicer. We continued the modification with Selene and it seemed to be completed in XXXX. Below is a list of the events that we know occurred with our loan in chronological order : -The XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX, while the XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX this seems strange ; -Each one of the modifications references a HUD Supplemental loan, but only the XX/XX/XXXX one was done ; -The Modifications seem to indicate a balloon payment due on the HUD Supplemental loan , but without the Note, I have no idea what the terms of that loan are and/or whether there is some mechanism for satisfaction other than making the balloon payment ; -We originally borrowed {$230000.00} in XXXX, and now you ostensibly owe around XXXX what kind of relief is this? 
-There needs to be some accounting somewhere as to how Selene Finance and HUD calculated the arrearages and/or the loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a payment to my roommate for rent on XX/XX/XXXX. On XX/XX/XXXX, I woke up to notification from the Chase app and via text message that my account was overdrafted by almost the exact amount that I had to sent to them. Checked the app and the charge was processed twice with the exact same confirmation/processing number. 

I reached out to Chase at XXXX but they werent open. I then reached out via XXXX as that was suggested. They advertise that theyre open at XXXX XXXX via XXXX, but I still havent gotten a response. 

When their call center opened, I called and was transferred to a representative where I was told that this was an ongoing issue that was being reported and that they should have it fixed soon. They have no foreseeable timeline and considering its not only the weekend but also a date where most people pay their rent, its even more egregious that this hasnt been fixed and that a large number of people might not have access to money until Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SYNCHRONY FINANCIAL
State: WV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Synchrony Bank had an issue with their website that resulted in my IRA funds being put into a non-IRA CD. ( Clearly, the web designers never talked to the IRA department about the differences between opening an IRA CD and a non-IRA CD. The problem has long since been corrected. ) When I finally got someone to move the funds into the proper IRA CD, I was penalized {$1800.00} for an early withdrawal. Yes, I was being penalized for their mistake. The customer rep acknowledged the problem and said he would get back with me. He never did. Over the past three years, I have called Sychrony many times and have written two letters to senior managers. Only one person has contacted me and like everyone else in the company, she forwarded my complaint to someone who has yet to call me back ( after three weeks ). Synchrony 's pattern of arrogance towards its customers is undeniable.

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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello I tried to open an account for some reason its not allowing me to open the account up

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 2021-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I've endeavored to dispute a charge. I merely get a customers service number that reroutes my complaint, but does not follow thorough on talking to a representative. I've tried multiple times with no call backs. I tried their support email with no reply. Frustrated. 

The prepaid account is with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have 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 accounts reporting on my Credit Report : DEPTEDXXXX-XXXX  //LATE open - Balance {$900.00} -Date Opened : XX/XX/XXXX XXXX //LATE open - Balance {$770.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$3500.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$6500.00} -Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have had a paypal account for many years, I have been trying to get them to remove my bank account information from them for months. I have emailed them. I have called them. They say that you can remove it from the web, you can not. They will not allow you to. They always say you have an existing transaction even when you do not. They say they can not verify you by any other means other then cell number. They text me when I am on the phone and it doesn't go through. Because I am on the phone. I have stayed on the phone with them for hours and they will not remove my bank information. If I close this account, I feel like they will keep my bank account information in their system. I have no outstanding payment. 
What can I do? This is a problem for many people, you can see this by a simple search on the web.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Westlake Services, LLC
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 information incorrect

Complaint:
Westlake Financial Shut down as a company and sold the original contract. This debt has been charged off, this debt is not mine. Please forward original contract

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 2021-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 checked my credit report from XXXX and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with XXXX and XXXX directly. 
I then contacted XXXX and XXXX and they told me that I needed to speak directly with the companies again to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Class action suit against swells Fargo for loan modification and improperly handling 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 explanation
Consumer complaint received 2021-10-14
Company: BERKSHIRE HILLS BANCORP, INC
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Sir, I was living on a fixed income. My roommate stole checks and food from me. When I went into the bank I found out I was overdrawn. I tried speaking with the bank they ignored me. I explained I have XXXX and was unable to figure out what was happening. 

I was willing to pay any money the bank paid out. But they wanted me to pay thousands of dollars in overdraft fees. I offered a payment arrangement for the money but they refused. The closed my account and submitted it to a company. Now I can't open an account anywhere. 

Sincerely, 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