BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
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 have repeatedly requested physical documentation for the following accounts, ( 1 ) XXXX XXXX XXXX XXXX, {$950.00}. ( 2 ) XXXX XXXX XXXX, {$260.00}, {$210.00}, {$180.00}, and yet to receive anything outside of the following credit agencies Transunion and XXXX   saying that account been verified. However in accordance with the policies of The FCRA if this requested information is not received then the accounts shall be removed. Therefore, I have requested the Method Of Verification and never received anything.

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 2018-07-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I had a American Express platinum and the company got my information illegally with my social security.We are receiving promotional applications like 5 days a week me and my wife told the company stop sending the pre-approval letters they still keep sending the them.I called multiple times they keep being unprofessional.I believe this is a data breach .Because retrieved the information from my social security number.I spoke to a rep on the phone going back and she they can not stop sending the marketing material.I am in a community property state so if I am asking stop sending to stop material it means stop.Reps were being unprofessional kept hanging up the phone and transferring to different departments not getting things resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX & XXXX credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX   XXXX XXXX challenge XXXX XXXX XXXX XXXX with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to Phoenix Financial Services. Phoenix entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 n XX/XX/2018 I made a 2 transaction to a person named XXXX XXXX email XXXX n XXXX XXXX XXXX. Transaction over a Bday gift for my son ( XXXX tickets ), {$500.00} each transaction a total of {$1000.00}. We kept in touch for over a week in a half, n suggested using XXXX since it was going to be faster n have statement over the transaction. I send her the 1st transaction which she told me she received n stated they were reserved following by the 2nd transaction she would send the tickets instantly to my XXXX. I never got them. I have been sending her messages over messages n nothing she doesnt reply. Called the bank XXXX XXXX n said they couldnt do anything cause XXXX is involved, called XXXX they dnt have human working their operating system n their options have nothing to do with this. Emailed XXXX n thier response to call my bank provider which means its a back n forth situation without resolving anything. XXXX is financialed by XXXX XXXX n many other banks, only banks owned by XXXX can operate it. They should know where the money goes. They should be able to track it. I as parent work so hard for this n for XXXX to just clean their hands n do  nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX  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 2022-08-10
Company: NCB Management Services 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: Account status incorrect

Complaint:
In XX/XX/XXXX, I opened an auto loan account with XXXX. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to NCB who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 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 2019-08-27
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2020-12-15
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: Investigation took more than 30 days

Complaint:
I filed a dispute about the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2018-04-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
Hello, I am the holder of a Chase XXXX XXXX XXXX XXXX  Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XX/XX/XXXX I was out of the country on business. Chase tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. Chase claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually chase will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by chase. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. Chase closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe Chase is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not.

I have been banking with Chase for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was texted by Wells Fargo bank that a scheduled withdrawal of {$3500.00} was going to come out of my account they said say yes or no if this was you I texted back, No. the banker from Wells Fargo called me and said that we need to transfer your money over to a new account so that you dont have an overdraft. My account balance is XXXX so he took that XXXX and deposited it into a new account. The banker who called me ended up being a scammer and he took my {$2700.00}.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
TransUnion is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.

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 2022-02-08
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:
Unfortunately I was a victim of identity theft when my information was leaked due to the Equifax data breach. There were multiple unauthorized fraud credit accounts and loans opened without my knowledge. I have followed all steps by giving a police report and filing complaints with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
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:
XXXX XXXX XXXX XXXX card was sold to XXXX, XXXX XXXX XXXX XXXX. phone number is XXXX. Ext. XXXX. My credit report says collection should say settled and paid in full. Not a collection. Remarks need to be put in as settled and paid in full. Thx 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 2023-11-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my checking account ending in XXXX without my permission or knowledge. This is a XXXX account I have had for over XXXX years. I have contacted Wells Fargo and they could not reopen the account stating that I needed to open a new account If I want.

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 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPPA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-09-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Step 1 : What is this complaint about? My bank account was closed because of a loan i got from SBA account number is XXXX Step 2 : What type of problem are you having? 
My bank account is locked by chase bank and i cant pay my bills because i have no access to my bank account Step 3 : What happened? 
I applied for a SBA loan through the XXXX XXXX XXXX website as a XXXX  XXXX and was approved for {$24000.00}. I do not have a XXXX number because its not required when applying for the loan as it states on their website because i am applying as an XXXX XXXX. Below taken form site " Applicant is an individual who operates under a XXXX XXXX, with or without XXXX, or as an XXXX XXXX. '' The definition of a XXXX XXXX is someone without XXXX and who doesn't file any excise or pension plan tax returns doesn't need an XXXX, in this instance, the XXXX XXXX uses his or her social security number instead of an XXXX as the tax payer identification number. I have met all the requirement from the SBA to qualify for the loan and I dont know why chase is freezing my account and telling me that i need a XXXX when the SBA did not require a XXXX for the loan. 

Step 4 : What company is this complaint about? CHASE BANK Step 5 : Who are the people involved? XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: DC
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 regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: MI
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:
SEE ATTACHED FILES. THIS IS NOT A DUPLICATE COMPLAINT. I AM REPRESENTING MYSELF. I AM NOT A THIRD PARTY. I HAVE ATTACHED MY SSN AND DRIVER 'S LICENSE FOR PROOF OF IDENTITY ALONG WITH MY IDENTITY THEFT REPORT. XXXX XXXX HAS BROKEN NUMEROUS CONSUMER LAWS AND EXPERIAN HAS 4 BUSINESS DAYS TO BLOCK THIS ACCOUNT FROM BEING REPORTED TO MY CONSUMER REPORT ACCORDING TO 15 U.S CODE 1681 C-2. I HAVE FOLLOWED ALL OF THE REQUIRED STEPS ACCORDING TO 15 U.S CODE 1681 C-2 SO THEREFORE EXPERIAN NEEDS TO DO WHAT THEY'RE LAWFULLY SUPPOSED TO DO BY REMOVING THE ACCOUNT COLLECTION ACCOUNT WITH XXXX XXXX INDEFINIETELY.

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 2017-12-28
Company: AMERICAN ADVISORS GROUP
State: WY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX and I started a reverse mortgage application with American Advisors Group ( " AAG '' ) in XX/XX/XXXX. I believe the start date was XX/XX/XXXX. It has been over 5 months and I still do not have a reverse mortgage. I have been lied to and led on by this company. When we started this process in XX/XX/XXXX, the agent at AAG told me he would have me closed in XX/XX/XXXX. XX/XX/XXXX came and went with no reverse mortgage. Meanwhile, my present home mortgage company was calling me because I have been unable to make my house payments. 
The agent at AAG told me not to talk to my present home mortgage company. He said we would have this reverse mortgage closed before they could start foreclosure proceedings. Well, I AAG toward the end of XX/XX/XXXX and got some excuse about not closing after the XX/XX/XXXX of the month. So, XX/XX/XXXX came and went. Then in XX/XX/XXXX, AAG had me do sheetrock and painting repairs in my house. The agent at AAG told me to just hang some sheetrock and paint. He said we could get this reverse mortgage done after that. I called the agent the first week of XX/XX/XXXX and he told me we were just days away from closing. About three days after that, they came back with another repair I had to do. I had to put covers over some outlet boxes. The agent told me to take pictures of the repair and send it to him. About 5 days after that, they called me and said they could use my pictures and would have to have the appraiser come out and take pictures, but they finally got around that. Then, the agent called me on XX/XX/XXXX and asked if I could find the phone number for the notary service we had used before. He said that we could close on either the XX/XX/XXXX or the XX/XX/XXXX if I could find the contact info for the notary. I found it and gave it to him. I also gave him a second notary contact information. On XX/XX/XXXX, he told me we would close on XX/XX/XXXX. Well, that did not happen. Now, my present home appraisal expires on XX/XX/XXXX. So, we have to get another appraisal, and who knows how long they will drag this out. XX/XX/XXXX will be 6 months of trying to get this reverse mortgage. I feel I have been lied to and led on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: MD
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:
From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over XXXX hard inquiries on my report which is just not attractive to lenders at all. I can recall only about XXXX dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't know what this debt is for, but TSI said if i paid them they'd go away from my credit reports. So i was tricked into paying them and they are still on my reports!

Company response to consumer: Closed with explanation