BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: STERLING JEWELERS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2020-10-01
Company: EQUIFAX, INC.
State: IL
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:
Equifax and XXXX  should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today I woke up and tried to log in to my Bank of America 's online banking and I couldn't, so I called the bank and they told me that my access was blocked and they were closing my account. 

I have had a relationship with this bank since 2015. I had 2 business accounts ( savings and checkings for both of them ) and my personal account and they closed them without notice ... 

They had my phone number, email address, and my physical address but they didn't contact me, I had to call them to find out what was going on.

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 2021-01-25
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a XXXX bag on XXXX  for {$2700.00} from a seller named XXXX, and paid through Paypal with my XXXX XXXX Credit Card. I received a fake pair of XXXX XXXX shoes, not the bag I paid for. I contacted XXXX about this and after their investigation, they found other fraud activities from this seller and removed this person from their platform. I filed a dispute with paypal to recover my funds, and provided them all the documents I have, including email from XXXX confirming that this seller is a scammer and has been removed from their platform, Paypal asked me to return the item to the seller and promised to issue a refund. I returned the item twice and both times, the USPS returned the package to me because the address the scammer provided to Paypal does not exist according to the USPS tracking. I finally escalated this to my card issuer, but Paypal provided them documents siding with the scammer which made my card issuer to accept that Paypal did nothing wrong. XXXX XXXX closed the case and offered no help whatsoever, then referred me back to Paypal. Paypal informed me that they would have refunded my money but since the case went to my card issuer, they are the higher authority so there is nothing Paypal can do now. I also filed a complaint with the XXXX XXXX XXXX XXXX as requested by Paypal. Right now, I am scammed out of {$2700.00} because I trusted Paypal. I am trying to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have made numerous complaints and never get a satisfactory reply or a truthful one. 
The specialized loan servicing people have breached the contract they are using to try and collect payments. On page 4, section E describes the interest limit as not to exceed the maximum rate permitted by law if lower. For over a year when payments were being made SLS exceeded the Kentucky Usury law of 8 %.

I have numerous times asked for an attorney to contact me as well as tried direct contact and was ignored. I have stopped making payments because SLS/XXXX XXXX XXXX XXXX   XXXX have an altered contract designed to collect under false pretense, Now because of breach of Usury law I believe they owe me money. I am attaching a copy of the page that describes this. In the event I have misinterpreted it, have an attorney contact me, not employees.

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 2023-06-05
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
International wire sent by me from my business account. 
Funds were not forwarded to the designated beneficiary. 
PNC advised they are still holding my funds but refuse to release to me. 

Please ask them to return my funds to my account. 

Their failure to timely do so is costing my company {$49000.00} per day so time is of the essence. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
PORTFOLIO RECOVERY has been calling me daily up to 3-4x a day. 

I attempted to discuss the FDCPA with them and they hung up on me. 

I called them back 3 times and asked every single agent if they were aware of the FDCPA and informed them they are NOT allowed to harass me in any way, shape or form. All I got was stunned silence because these XXXX companies don't know the law. 

Perhaps they should inform themselves of strawman accounts and realize the debt is irrelevant considering the system currently being shred into pieces. 

I do not play the fake debt game. When you are told " DO NOT EVER CALL ME AGAIN. '' and you repeatedly do so, expect a lawsuit very quickly. 

Guess what happens then? Not only did your company " lose '' money by buying useless debt, you lost the claim + fees + wasting my time in court fees. Lesson learned for being a XXXX  in a corrupt debt system, eh? 

Try again. I dare you. I've got all the various numbers they have called me from and I am ready to use them in court if need be. You WILL lose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My information was stolen back in 2011 and various accounts were opened with this information including this account that I had no knowledge of or how to go about disputing it until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
TrueAccord sent my relative multiple emails regarding a collection. It was went from these emails on XX/XX/2021. Each email has info from an old collection account with XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX emails had all the debt info including amount owed and company owed to. I did not want my family to know my personal problems and this has caused me significant issues. Im not sure how they found this email address since its actually a business email that a family member has. They sent a total of 5 emails. Each email comes from a different individual. The emails were forwarded to me by the person who received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian always refuses to thaw my credit even when all the correct info is entered and their secure pin is provided. They always add the extra burden of mailing in sensitive documents instead of fixing their computer system to accept thaw requests. 


I tried today to thaw my report with the pin and all the correct info, that had not changed in years, and it still refused to thaw. 

This system should work better instead of further burdening consumers like myself.

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 2020-07-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account in good standing with a Chase Bank for several years. On XX/XX/2020 without any prior notification ... the checking account was frozen by Chase Bank, and has been closed. 
I found out because checks written to pay utilities and a credit card were declined payment. 
I immediately contacted Chase a Bank local branch as well as their main customer service number and fraud department. I was told that they would not provide me ANY information, and did not want my business. I was also informed that I could not withdraw my funds. I have since had numerous visits to the local branch, and several calls to the main customer service numbers. 
I was told by both that my complete funds were being overnighted to me. 
Nothing has arrived to date. All deposits into this checking account have been direct deposit from payroll ( husbands employer ) and Social security for last several years. Recently on XX/XX/2020 a deposit was direct deposited from the IDES PUA Fund.  This was a legitimate deposit for Funds I applied for from the State of Illinois ... due to the Covid 19 shutdown of my employment. I applied for IDES PUA relief on XX/XX/2020 and received a check for relief and funds for all weeks that I have been affected dating back to XX/XX/2020. 
On Tuesday XX/XX/2020 after several more calls to the local branch and Chase Bank customer service ... we received a call from the local bank branch manager ( XXXX ) saying that I had to come in and show them my paperwork proving my claim information with IDES Dept of Unemployment for Illinois. 
This is extremely confidential information ... but, I went immediately to the local branch and supplied all the copies of my valid active claim including claim ID # and printed list of all weeks certified and paid by IDES Dept of Illinois PUA benefits and dates totaling amount of direct deposit made to Chase Bank on XX/XX/2020. No one will still confirm to us what is the cause of closing our account and holding our funds in this account from us. We still are not able to get our money in the account ... or be told when they will release funds. 
We have done NOTHING wrong. We have trusted Chase Bank with our money, and been upstanding customers with no prior issues. 
We are being treated like criminals and very rudely. At this time ... we only want to withdraw our rightful funds and continue to be able to pay our bills and get groceries, etc. Chase Bank is holding us XXXX. It has now been weeks! 
Local Branch of Chase Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX Illinois XXXX. Local Chase Bank branch phone # XXXX ... 
Or ... XXXX Local Chase Bank branch manager contact name is XXXX. 
Please help me ... we are confused and in need of solution!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
The company forfeited this account after I bought this credit line with a bank account it costed {$750.00} to open this line of credit after I bought the line of credit for XXXX was never subtracted from the full bal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Starmark Financial LLC
State: MI
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:
Plaintiff, XXXX XXXX, has not received confirmation nor certified testimony that the defendant ( s ) complied with the FDCPA, XXXX, and/or XXXX and all its mandated rules when it comes to debt collection. Therefore, Defendant ( XXXX ), Starmark Financial LLC and XXXX XXXX XXXX, is to present Plaintiff a certificate in testimony that the alleged debt presented in the attachment labeled Exhibit A is compliant and not subterfuge. ******copied from affidavit attached to this complaint******

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 2017-06-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a voice mail from Commenity Bank on  XXXX / XXXX / 2017  at my work phone number. I was given the number  XXXX  and ext #  XXXX . The man who left the message said he was calling from Commenity Bank and he was calling my work phone number because it was the only number he has to reach me. This is not true and he could also contact me by mail. I 've been told they have called my place of work repeatedly. They have a cell phone number for me and they have called it as well. I 'm only complaining about the phone calls they are making to my place of employment. I have never given them my place of employments phone number or even told them my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have noticed an unauthorized charge on my bank account I have reached out multiple times to the US Bank fraud department who mishandled the issue. Finally, I was able to freeze my account at my local branch but the US bank did not stop the funds from going out and never returned the funds back to my 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 2020-09-22
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: Information belongs to someone else

Complaint:
The following information listed on my XXXX and Experian credit report is fraudulent, unauthorized and not my accounts, credit inquiries or payment history : XXXXXXXX XXXX XXXX, {$140.00}, XX/XX/2020. Credit Inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020. Payment History : XXXX XXXXXXXX XXXX payment history is fraudulent.

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 2020-09-22
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my 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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2023-04-12
Company: EQUIFAX, INC.
State: IL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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:
I sent a letter to Transunion for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Transunion confirmed that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the Deputy Clerk stated that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by 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 non-monetary relief