BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-03-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX and Enhanced Recovery Company have both simultaneously reported the same collection of {$290.00} from XXXX on my credit report. They have both been disputed for inaccuracy in reporting and never having given notification of the debt in the first place, and I have had the collection removed from my accounts multiple times : Per XXXX XXXX : In XXXX of XXXX XXXX XXXX was removed from my XXXX report In XXXX of XXXX Enhanced Recovery Company was removed from my XXXX report In XXXX of XXXX the same collection from Enhanced Recovery Company was removed from my XXXX report At a date unknown the same collection from XXXX XXXX was removed from my XXXX   Credit report In XXXX a dispute was filed with XXXX against the collection from Diversified Consultants. Per Experian, the debt was removed by XXXX XXXX. In XXXX of XXXX, the debt was added to my XXXX  credit report by Enhanced Recovery Company, 3 years after it had been removed from XXXX twice, XXXX  once, and removed from XXXX   voluntarily. 

I have been making a concerted effort to repair my credit. I believe XXXX XXXX has been monitoring my credit. It is my honest opinion that XXXX XXXX has maliciously re-inserted this debt, after it has previously been removed several times under dispute, in an attempt to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
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:
On XX/XX/19 someone used my debit card number to spend {$100.00} at XXXX 25min away from where I live. I immediately received a alert limit email notification which I set to be {$75.00}. I reported it to Chase immediately. They issued me the money immediately and told me they would investigate. A couple weeks later I notice that Chase took the money back out from my account. I called and they said they denied my fraud claim and stated I need to provide more evidence. I contacted my local sheriffs department and filed a police report so they can get ahold of video surveillance to prove it wasnt me. The police officer told me to contact Chase and to submit the case number and that they know what to do since they always deal with this stuff. I contact Chase again and now they are telling me to have the Sheriffs department fax the police report to them. I contact the sheriffs department and they stated they usually dont do that type of stuff. Chase is making extremely difficult for me to get my money back and for them to accept fraud claim. I thought I had fraud protection, but its not working for me. I dont feel safe with Chase having all money ( they are my primary checking account and its where all my direct deposits go to ). Luckily it was only {$100.00} but its not the amount of money that matters, its the principal. It will be weeks until I get my money back. Extremely unhappy with how Chase has handled this and how they are making so difficult for me to get my money back. I will be closing my account with them soon once this hopefully all delt with

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04
Company: Shellpoint Partners, 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 status incorrect

Complaint:
Two of my accounts in my credit report are reporting late payments, one is for my XXXX car during the Pandemic period and the other one is for the Mortgage of my house, the latter has been transferred from several banks and I have never failed to pay a single one month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had an AARP credit card since XXXX, it was in good standing. In XXXX Chase cancelled my AARP c/c & " Lied '' to me that Chase no longer issues AARP credit cards. My AARP c/c had $ XXXX limit, which I always paid off on time ; I had a " always paid on time '' reported on all credit agencies ... enclosed a copy of XXXX XXXXn XXXX ) I had originally 3 credit cards that none where from Chase, but Chase bought them all out and now I have only 2 Chase Cards instead of 3 -IF they had given me the AARP Card. I went into Chase Bank in XXXX XXXX XXXX and ask about the AARP card not being issued to me & they said that they don't have any AARP Chase C/C anymore. I went online to see if they no longer issued AARP Credit Cards and 'there was a AARP Credit Card with all the other Chase Cards that they issue!! '' I had to " LOSE '' some of my credit ratings due to Chase deliberately closing my AARP Credit Card that was worth {$5000.00} & I always paid it off in full when bill came due!! 

ALSO, my Chase Freedom Credit Card 's minimum payment has been flucutating up & down ; instead of constantly going down every month because I have always paid at least the minimum?? ( enclosed XXXX different Chase Freedom Credit Card bills showing higher and then lower and then higher amounts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Innovis
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: Information belongs to someone else

Complaint:
I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX inquires regarding all personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed an unverified public record on my credit report multiple times over the past 4 months. The credit bureau claimed to have verified the public record with the court each time. Ive reached out to the court to regarding the verification of the public record that allegedly belongs to me. The court responded by saying that they do not report anything to the credit bureaus. Therefore the credit bureau must not be telling the truth about verifying the public record with the court. I have attached the courts response to this complaint. I sent the courts response to the credit bureau asking for them to immediately remove the unverified public record. However they refuse to.

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 2019-03-25
Company: National Recoveries, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Today I received a letter from the US Department of Treasury about my joint tax return refund being applied to a delinquent debt I owe. It states that the debt is to the US Department of Education Federal Offset Unit. When I called the Treasury Offset Program it states that National Recoveries a collection agency has my debt. I paid off my student loans years ago and know nothing of this debt, nor have I ever been contacted by anyone about the debt. I've tried reaching out to National Recoveries today to fix this and have had no luck. I tried by phone and I have tried contacting via their website which is stating it's unable to send the communication. 

My concern is that I don't know why I have an unknown student loan and why is the first time I am hearing about this? I XXXX college approximately XXXX years ago, and don't understand where this loan is coming from. On the document I received today it states " Before sending a debt to XXXX XXXX, an agency must send notice to you at the address in its records. The notice explains the amount and type of debt you owe, the rights available to you and the agency 's intention to collect the debt by applying eligible federal payments made to you. '' I have not been contacted by National Recoveries about sending this unknown debt to the XXXX XXXX and I have not been notified or communicated the amount and type of debt I owe. I feel this is a very unfair practice by National Recoveries and would like an explanation of what is happening and I would like them to help resolve the confusion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Reason for my complaint is that I don't know what happened, One day I get a letter from Discover saying that my account is closed - Called several times to find out the reason they closed my account which only resulted in a letter saying they have done an internal review and decided to close my account. 

All I would like is an answer of why my account was closed, I was NEVER late nor have I defaulted on the account. If they have me linked with another account then I believe I should be aware of the situation. 

Opened the account in XX/XX/XXXX - until I was closed in XX/XX/XXXX credit line of {$13000.00} which I am still paying always on time Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: WA
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:
Sir/Madam, I am writing to bring to your attention the ongoing issues I have been facing as a consumer with Experian, one of the major credit reporting agencies. I have disputed four accounts with Experian due to inaccurate information that they continue to report, despite being aware of its falseness. 

The account disputes appear on my credit file as XXXX XXXX  Bankruptcy I have never had a XXXX  Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy-ACCT XXXX Through their actions, Experian has not only violated the provisions of the 15 US Code 1681A, which guarantees the right to privacy, but they have also infringed upon the regulations set forth in the 15 US Code 1681B2, as they shared my personal information with a third party without my explicit written or verbal consent. This amounts to fraudulent behavior on their part. 

Experian claims to have conducted an investigation into my dispute and asserts that they verified the public record with the court clerk. However, I would like to bring to your attention that this particular public record has been deleted from my XXXX file. I have uploaded this information to Experian as evidence, yet they refuse to delete these disputed accounts from my credit file. 

Their refusal to act on verified and accurate information is not only disheartening but also detrimental to my credit score. As a direct consequence, I have suffered from higher interest rates and other financial difficulties. 
Furthermore, I would like to emphasize the recent data breaches that have occurred at Experian, which have posed a significant threat to my personal and financial information. 

These breaches have resulted in great harm to my credit score and overall financial well-being. It is evident that Experian 's inaccurate reporting, coupled with their failure to perform a thorough investigation, has caused me undue financial distress. 


In light of the aforementioned violations and the evidence provided, I kindly request that the Federal Trade Commission investigate the actions of Experian and ensure that they delete the disputed accounts from my credit file. This request is made with the expectation that appropriate action will be taken against Experian for their repeated violations of consumer rights and their failure to adhere to reasonable investigation standards. 


Enclosed with this letter, you will find the relevant public records document that supports my claim. I trust that you will carefully review the evidence provided and take the necessary steps to address this matter. I appreciate your attention to this issue and look forward to a swift resolution.

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 2020-01-14
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I went to the branch to open an account they opened me a wrong Account with a monthly fee I dont want this I want u style  checking which avoids the fee with meeting a balance of {$1000.00} daily this is not fair and not what I requested I called customer service they told me to visit a branch ridiculous they cant change the product type

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
{$530.00} was pulled from my checking account on XX/XX/XXXX without my authorization from Ditech. Ditech had no information on their end that they had even done this. I had to have my bank send them a fax stating that they had pulled the money from my account. This overdrew my account and I was several states away and had no money for gas to get home. This also caused me {$92.00} in bad check charges. ( which I still have not received from Ditech ) After numerous phone calls, over several days I was told by " XXXX '' that this was a glitch in their system and that a current project called XXXX was the cause. It caused ACH debits on consumers accounts without their authorization. I talked with XXXX on XX/XX/XXXX and stated that they could go ahead and apply the payment of {$530.00} to my account for the month of XX/XX/XXXX. My payment for XXXX was supposed to be {$420.00}, not {$530.00}. I told her to go ahead and apply the over payment as principal. This would also allow my XXXX payment to be considered on time. 
On XX/XX/XXXX they refunded the {$530.00} back into my account even though I had requested it to go toward XXXX 's payment on XX/XX/XXXX. That now looks like I missed XXXX 's payment. With my checking account being overdrawn for over a week because of XXXX, I was not able to make other payments towards other bills thus making them late. This is not the only XXXX up that they have done with us over the years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi! I usually use XXXX XXXX with my BOA debit card. After having this account for years, Ive only ordered XXXX 2-3 new bank cards when they were lost. This time I wasnt aware of this card being lost. Until I noticed an unusual transaction on my card and Ive had this bank and only this bank for the longest, and this would be the FIRST time Ive been a victim of fraud. I called & reported this and was told to open a new account and order a new card.. which I did. But now Im unable to even open an account although I was not at fault. I love this bank and never had any issues with them until NOW! I am beyond angry because I am being punished for someone elses doing and I was not aware until late notice. So now I have to start over with a NEW bank and resubmit all of my information to each and every one of my jobs I am truly saddened that they have to lose a costumer due to the lack of empathy.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX  XXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # 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.

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX ; XXXX and Transunion are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: EQUIFAX, INC.
State: NY
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:
Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit 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  Account XXXX : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report. 

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness. 

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation