BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter via XXXX  stating that this was final notice and I would be sued if not paid. I have never received a letter concerning this debt and don't understand how this is final notice. 

I am requesting a debt validation from this collection and also the appropriate collection laws to be followed and not threatening letters in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XXXX we lost income Was on XXXX Programm Then apply for modification Morgage company denied modification and our appeals Even we receive XXXX XXXX from state Programm and tell them we like to start paying our Morgage, still not respond

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 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 XXXXXXXX XXXX XXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} 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 2023-02-23
Company: Bread Financial Holdings, 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: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCES XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and y are required to remove any information that is not true, accurate, and verifiable.

Please remove this inaccurate accounts and late payments that are inaccurately being reported & information IMMEDIATELY from my credit report and send me the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standard. well as this account removed.

15 USC Section 602 States I have the right to privacy. 15 USC Section 604 A section 2 : it also states a consumer reporting agency can not furnish and account without my written permission. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have three American Express card that i made timely and perfect payment. Then i tried to made payments 2 out if the cards and tried to make a third payment thee app told make no payment was due. Then i called the customer service they confirmed that no payment is due. 
By 5 days the Amex closed all three accounts and i filed a complaint they agreed that it is an error and not my fault. 
Now they charged of the accounts and illegally charged my XXXX XXXX XXXX account that caused {$780.00} with of insufficient funds fees by my bank that reported on my XXXX  Amex incorrectly put a {$0.00} credit limit on the closed account and then keep changing and charging the balance to reflect additional settlement late fees eventhough there was no settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

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

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Dear CFPB, I recently received mail from Transunion and notification from my credit monitoring of verified negative account on TRANSUNION. There is still negative information reporting ALLEGEDLY by U.S. District Court in the file TRANSUNION maintains under my social security number. Upon ordering a copy of my credit report, I see an entry from TRANSUNION reporting " BANKRUPTCY : XXXX XXXX, with Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; I am unaware of this account. I did request an investigation over the course of 90 days with Transunion, however Transunion continues to verify said account without verified, validated copies from the Court associated with this account bearing my signature. In the absense if any such documentation bearing my signature, I demand that this information be immediately delated from the credit file Transunion maintains under my social security number. Transunion continues to state my credit profile was properly investigated but how is that possible if the dates, the Court and names are inaccurate, and the Court clerks and secretaries state they do not share court information with credit boroughs. This is grounds for immediate removal because my rights are being violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1691 Section 602 A Section 2 : states a consumer reproting agency can not furnish an account without my written instructions. Also Transunion took more than 90 days to complete my investigation please see attached USPS certified mailing tracking # 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX account was hacked and money was transferred out of my checking on XX/XX/23. I notified my bank, Regions Bank, IMMEDIATELY and asked them to place a hold/freeze on the account so that XXXX could not take out funds. Regions does not have any agents working on the weekends that can tend to bank needs. Everything has to wait until Monday ( this is the first bank I have ever heard such an absurd thing ; most had fraud departments to help 24/7 ). Come Monday, the funds had time to process and Regions says there is nothing they can do.

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 monetary relief
Consumer complaint received 2021-01-21
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I paid the property taxes for the a property I own. The tax office for XXXX County ( South Carolina ) shows this payment on XX/XX/2020 from their website as expected. I forgot this particular property was escrowed and the escrow agency disbursed a payment on XX/XX/2020. I have contacted XXXX County they have told me they return all duplicate payments to the sender. 

The loan servicer is not assisting with checking the status of the check, and will not refund accordingly. They say they have to wait until the check is returned before anything can happen, which makes sense but it's been over a month and they do not have any information for me on next steps. I am concerned this return may have been lost and I do not seem to have any other options at my disposal to get a refunded payment.

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: EQUIFAX, INC.
State: NE
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. 
This creditor has violated my rights. 

under 15 USC 1681 section 6 0 2, States I have the right to privacy.

15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an Account without my written instructions.

Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone opened an account at Chase bank using my name. I don't and have never had an account with Chase Bank. I received a statement from them last week and told them about it, but they won't close the account unless I'm in person which I've not been able to do yet. XXXX  XXXX XXXX called me today and said the same thing had just been tried but they stopped it. Said the perpetrator is using XXXX to make transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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 am so sure that I may be a victim of identity theft! 
You know what I am shocked to have this situation ... I do not recognize these accounts. I believe I became a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and remove it. Also It could be possible you are mixing up these accounts with someone that has a similar name as me ... so please deal with that asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX I was asked to apply for a Kohl 's account when I made a purchase at their store. I completed the application with the cashier and she issued me with an approved Credit Card number. I phoned the bank the next day and was able to change the mailing address from XXXX ( from my Drivers License ) to our XXXX  residence so the card would be mailed here. I received the card on XXXX XXXX. On XXXX I received a letter from Kohl 's stating they had " identified activity on my account that was uncharacteristic of my normal shopping patterns '' and that they were " unable to contact me by phone '' to confirm that I authorized said activity. I phoned and spoke to them. They claimed they needed me to prove I was me by sending them tax forms, utility bills and another form of identification. I have established credit in the United States with my bank, Visa credit and another Department store credit card. My credit score in XXXX regularly makes me eligible for offers of more and higher credit limits. I resented the fact that this was required despite my never having actually used the card and confirming with them that there was in fact zero " activity '' on my account. I spoke to the Supervisor who confirmed that they had " lied '' about the reasons they needed more information. I followed up with the Customer Service department by email on XX/XX/XXXX. They responded with an apology on the XXXX.Now I receive another letter today ( XXXX ) stating that again, they have " observed activity on my account indicating that it is not being used in a manner consistent with the terms of the account agreement. ". Again, I have not used the card and there is no activity on the account. I feel I am being unfairly bullied by the Kohl 's Customer Service Contact Center. I have not once been contacted by the Credit Department at Capitol One Bank ( the issuer ). Why would a major corporation lie about account use if they just need more information about the account holder? This an untenable way to treat consumers and their credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.

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 2023-03-01
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, Aargon Agency was asked to stop contacting me thru phone and to send all paperwork involving this said debt of {$3100.00} thru mail. I also requested something with my signature giving them permission to my records and to collect this debt. I have not received this information. I am requesting this, if this can not be produced by this Company then this debt needs to be removed from my credit file 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 2023-05-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a deposit for {$4000.00} on XX/XX/XXXX using the mobile application but their application stated it was too much for the deposit through the application. I then when to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, CO XXXX and deposited the check with XXXX, the branch manager. I let him know that I was depositing this check because it hadn't accepted the check. He took the check and deposited but It was never credited on XX/XX/XXXX. When I receive an email on XXXX stating my {$4000.00} dollar deposit was reversed, stating it was a duplicate deposit but on my XX/XX/2023 Chase Bank statement, it only shows my original electronic deposit completed on XX/XX/XXXX. When I called the customer service stated it was cashed at a different financial institution but when I called my XXXX XXXX  where the check was written, it was only chased on the original date of XX/XX/XXXX and processed on XX/XX/XXXX. The last printout of Chase I requested showing my transaction history only shows the one time deposit but at the bottom of the Chase statement, it shows that on XX/XX/XXXX, it states the check was deposited at Chase on XX/XX/XXXX but again, never credit. The funds have been removed from my XXXX XXXX  account and I was credited the {$4000.00} once then removed on XX/XX/XXXX from Chase. Chase has not done the proper research to show the check was credit twice. Yes, it was deposited twice but credit was only given once and withdrawn once on XX/XX/XXXX which leaves my credit of XXXX. I provided them bank statements and printouts from my XXXX XXXX  showing it was withdrawn only once but they're refusing to credit my any {$4000.00} on my Chase Checking account. I'd like to receive my {$4000.00} in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I had a mobile check deposit for XXXX that was obtained by a personal loan. The next day I was no longer able to access my online account or use my debit card. After I contacted the bank they stated they had put my account on hold to ensure the check had cleared. The check has cleared but the bank has closed my account and refuses to fund me my money and claims they are sending the money back to the lender. I just want to obtain my money, I am a single mother and need the funds.

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 2023-01-04
Company: American First Finance, 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:
Negative items showing on my reports. XXXX, American first finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief