BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 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 inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ATOMIC XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Credit Karma, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using credit karma and there suggested credit cards for 2 years or better. My first credit card was a suggestion from credit karma and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX XXXX reported to both exifax and XXXX  and they took 126 points. They said because I used to much of the balance, utilization? I get it now. Credit karma offers me another card from XXXX XXXX  to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with credit karma and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My fico from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my credit karma account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also credit karma keeps telling me I have a saving account with them when I don't, never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My identity was stolen and a couples were made in my name due to wallet stolen and XXXX credit breach. I submitted all the information to show it was on there and they needed to be removed. XXXX said it was removed but it was still showing on my credit report. Also showing on Transunion.

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 2021-09-14
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
A payment was sent to me through Paypal from a friend for money that was owed. The default in the application marks every payment as for goods/services which then subsequently charges the recipient a fee. The organization will not refund the fee nor will the organization reverse the transaction. They state there is no way to accomplish this and are clearly scamming people out of funds for fees collected for non-existent sales of goods/services. I attempted to escalate to a manager and was told there is no way to reverse a fee or reverse a transactions. I then asked my account to be restricted so as not to be able to receive funds from anyone. This is also not possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05
Company: CITIBANK, N.A.
State: LA
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:
Citi card sold a debt to XXXX XXXX Around XX/XX/XXXX. The letter that I received from citi stated that The loan ending in XXXX was sold for a balance of {$5600.00}. 

First XXXX  and my credit reports are showing that this is not a loan but a credit card. But Citi letter states it was a loan. This Account was closed on XX/XX/XXXX. This is way past the statute of limitations in Louisiana. Also the letter and XXXX  show the balance is {$5600.00}. However the credit reports and the last statement from citi credit card show the balance is {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Peter Roberts & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX continues to call several times daily harassing me and my family, this has been going on for years now. I have repeatedly asked them to stop after they refused to give me any information on what this debit is. They are rude and threatening and refuse to provide any information to corroborate their claim that I owe money. I have no idea what they are talking about and they refuse to stop harassing my family with constant calls all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Paypal Holdings, Inc
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I trying to get a PayPal account. Company allege that in 2014 was open an account with my credentials. The area code phone is not the same that my area code phone. The email coincide, i don't know how. I am in this nine days by phone without callback nor results all times that i called.

I sent from carrier mobile the information of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
U noticed a few inquiries in my report I did not authorize

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 2021-03-07
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I went to XXXX and someone took my XXXX American Express debit card and swipe {$990.00} once I notice that a transaction that big was made I contacted bluebird. A prayer to resolve this matter they sent me an e-mail XX/XX/XXXX and told me in the email that the transactions was authorized if they will be suspending my account I have over {$30000.00} on that card I live out my XXXX I'm a XXXX XXXX I don't have no money to buy food or to pay for a shower I'm an XXXX XXXX this is my business. My text deposit on my card. I have no address

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NY
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. 

The letters are stated with items and issues.

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 seven 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 non-monetary relief
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
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 received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On the morning of XXXX/XXXX/XXXX, I was notified by phone notification from Chase.com that my checking account had a negative balance. Upon signing in to my Checking account online, I was made aware that three ACH debit transactions were processed on XXXX/XXXX/XXXX that had put my account into negative status. I was awake on XXXX/XXXX/XXXX to past XXXX and never received a notification from Chase Bank that my account was negative, which is normally the case. Had I known that these transactions were processed, I would have had the opportunity to rectify the situation and bring the account current. The representative I spoke with over the phone this morning first stated that these debits were processed around XXXX XXXX, which is untrue. Then stated that they were processed close to XXXX and again, I was NOT NOTIFIED, and in response to the Chase employee, there was NO interruption in my phone service. I can provide proof. She further stated that these debits are processed by the outside company retrieving these funds and that these were not processed at those particular times due to Chase Bank 's doing, but rather the company requesting these funds. I, the unknowing customer am forced to believe what she is saying is true. I have very high doubts that this is the case. Chase Bank is known to be one of the largest banks that makes the most profit on fees on their customers and I now know how they do it. Just like they did to me. They wait to just before XXXX to process a debit so that they can charge fees after XXXX for the transactions. I now have to not only cover my transactions, but the fees, which makes it much more difficult for me to obtain an extra {$100.00} for the fees that they charged me. I believe that Chase Bank is practicing bad business by purposely processing transactions in this manner, in order to be able to charge a customers account these fees ( making record profits ). I would like to have my {$100.00} refunded so that I may be able to place the funds for these transactions into my bank. I believe that there needs to be an investigation on Chase Bank business practices as I believe they purposely take advantage of their customers. I will be seeking media attention exposing these practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold and is now managed by LoanCareXXXX . I paid every month and early. Their system misapplied the funds. They have proof of all payments and can easily see that the payments were early. However, while it was under investigation, they submitted to all the credit agencies that I was late on my payments. They did not notify me of this submission until after, no warning whatsoever. They have the money, yet continue to report to the credit agencies that I am late on my payments. I have tried to work with them multiple times, and continue to be told that it is fine. However, my credit keeps going down because of their mistake. They refuse to solve the problem.

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 2021-11-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/21, I applied and was approved for an American Express XXXX card. The promotional mailing I received stated that I would receive XXXX bonus reward points by spending {$1000.00} in the first three months of the account being opened. This was printed on both the outside of the envelope and then in detail on the enclosed offer. I applied by going to the website listed on the offer letter and entering the code provided. I proceeded to spend over {$1000.00} in less than a month, specifically because I wanted the XXXX bonus points to use toward booking travel around XXXX time. The bonus points and travel I could purchase with them were the only reason I took the card out in the first place. Once I saw that the bonus points were not showing as either awarded or pending, I contacted Amex by phone and a case was opened. After a couple weeks, American Express concluded their investigation and said I was mistaken and that my card offer did not include a welcome bonus. Since, I have repeatedly contacted the company by phone and chat and have spoken to both representatives and supervisors. Despite the fact that I know what the mailing said, because its the only reason I immediately got my phone out and applied for the card, Ive been told that Amex has determined that theres no bonus offer on my card. Even though Amex *still* has a welcome offer for that card ( though its currently showing XXXX points instead of XXXX ), there internal investigation has found that there was no offer on my card at the time I applied ( and therefore that I must have applied for a card with no particular benefits for no reason, I guess ). I requested that Amex reproduce my offer letter, to show me how Im wrong about this, and they said they cant do that. Basically, they got me to take the card out with this really good offer, and now wont honor it and they keep saying theyre right because they say so. 

Unfortunately I do not have the original card offer. I think its pretty reasonable for a consumer to shred such an offer after applying for the card and trust that the company is going to fulfill its offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or 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 2021-09-14
Company: EQUIFAX, INC.
State: MS
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 paid regions bank off. Its showing paid off on my credit but they wont remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Home Point Financial Corporation
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is now my 4th complaint with NO resolution and cooperation from Homepoint Financial. Since my open / current complaint on XX/XX/2020 I now have yet another issue with this mortgage company. As directed by my housing councelor, and the state of indiana HUD ( indiana Hardest Hit Funds ) I began making my regular mortgage payment as of XX/XX/2020. My payment of {$830.00} on XX/XX/2020 was received, accepted and posted to my mortgage account. My payment of XXXX on XX/XX/2020 was received and rejected and sent back to my bank on XX/XX/XXXX. My housing councelor has made several attempts to contact Homepoint Financial without any success. We are preparing a letter to send to the state senator for review of our ongoing issues since Homepoint Financial took over my mortgage from Stonegate Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ( XXXX XXXX ) has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2, it also states that a consumer reporting agency can not not furnish any 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 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 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On numerous occasions Ive contacted Transunion and XXXX   about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for 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 2015-06-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold without notice I found out the day before the effective date! I get my Documents online but was never notified in that method and have not seen any letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation