BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: BTH Management
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Plaza Services LLC. and XXXX XXXX XXXX XXXX XX/XX/XXXX regarding a debt taken out in my name on XXXX through a company called XXXX XXXX XXXX using my information on XX/XX/XXXX. I didn't take out a loan from this company. They sent a document to me via email telling me I must fill it out and include a police report. The police report was made but the officer was very concerned about the legitimacy of the document as it required a great deal of personal information. He told me only to send the company the police report number and nothing more. 

Police Report number XXXX with XXXX XXXX County Sheriff Office Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States XXXX Plaza Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
My complaint is about four fraudulent activities which have occurred the day after my application for an Amazon/Chase Credit Card XXXX 

On XX/XX/2022, I applied for an Amazon Credit card and I lift the freeze on my credit report on XXXX on XX/XX/2022. 
On XX/XX/XXXX, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. 
The day after, there was 4 fraudulent paiements on our checking account ( in an other bank ) for a total of {$14000.00} I called Chase Fraud Department at XXXX. I spent more than an hour with Chase employees calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 
Obviously, the fraudulent activities were made possible because my credit report was thawed and according to XXXX and my other credit monitoring services only JPMorganChase opened my credit report. 

Following are all the details, day by day. 

XXXX, I applied for an Amazon Credit card XXXX, I received the letter from Chase with the phone number to call after lifting my XXXX XXXX XXXX, XX/XX/2022 : I lift the freeze on XXXX. 

-Monday XX/XX/2022, about XXXXXXXX XXXX Pacific Time, I called the phone number on the letter from Chase. The Chase employee checked my credit and my application was accepted. ( Unfortunately, I shredded the letter from Chase since my application was accepted ) -Monday XX/XX/2022, in the afternoon, I freeze the credit report on XXXX XXXX XX/XX/2022 : there are 4 fraudulent paiements on our checking account : XXXX XXXX remittance XXXX XXXX : {$5900.00} -Discover E Payment XXXX XXXX : {$1900.00} XXXXDiscover E Payment XXXX XXXX : {$1100.00} XXXX XXXX : {$4800.00} The total of the four ( 4 ) fraudulent transactions is {$14000.00} XXXX : I called Chase Fraud Department at XXXX. I spent more than an hour calling XXXX, Missouri, XXXX, Texas, XXXX again and I could not report this fraud because it is not a fraud on a Chase Credit Card or a Chase checking account. 

XX/XX/2022 : I cancelled my credit card on the phone, at XXXX XXXX XXXX. 

I believe it should be easy for Chase Bank to find out who is responsable for these four ( 4 ) fraudulent transactions for a total of {$14000.00} My bank refunded the money since it was fraudulent but I am making this complaint because I want these people to stop doing this. 
I sent 3 letters to Chase : JPMorgan Chase Bank Corporate Headquarters : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Chase Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX Chase Bank card member service XXXX XXXX XXXXXXXX XXXX XXXX Il XXXX I sent 3 emails : XXXX XXXX XXXX I called Amazon customer service : XXXX XXXX XXXX I am at your disposal should you require any clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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 called Transunion and spoke with the Fraud department 3 times, regarding an unauthorized XXXX XXXX inquiry. Customer service at Transunion would not help correct my file by deleting the unauthorized inquiries reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never completed an application for anything from this company. I called them and let them know it was fraudulent activity and nothing was done. This needs to be taken off my credit report. For date XX/XX/XXXX, XX/XX/XXXX. My rights are as followed. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 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 explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2022-08-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment 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 explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX violated my privacy according too. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment 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 explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
account is showing as collection/chargeoff, but it was discharge on my bankruptcy in XX/XX/2020, last update send it from the company was XX/XX/2020

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 2017-06-14
Company: PNC Bank N.A.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC  bank sold the property on  XXXX / XXXX /  XXXX   as the pnc bank stated. The certificate of foreclosure was filed on the land records on  XXXX   XXXX ,   XXXX   in book  XXXX  at page  XXXX  at  XXXX  of  XXXX , CT. I had a bankruptcy in  XXXX  and it a utomatically discharged for the balance. PNC bank repre sentative stating that  PNC  bank knows I had a bankruptcy in  XXXX  but showing not a ctive on their file. PNC Bank still reporting negative credit to credit bureaus. I called the PNC Bank couple times they are still refusing. That 's another game with PNC Bank as usual, PNC Bank is the most player and always plays stupid, but we are for them. Also PNC Bank mortgage department should and carefully   exam and investigate by the Federal Government and should deeply  search about how they play with American citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: PA
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 ( XXXX XXXX XXXX ) am in receipt of a letter received on XX/XX/2021 from XXXX XXXX XXXX. 

Per the letter it states the following Please be advised we have been unable to obtain the verification in the timeline required at this time. Therefore, we have requested the account be deleted from any consumer reporting agency files to which we have submitted information. 

Letter uploaded. 

It has been 88 days and yet the alleged debt and derogatory remarks remain on all three credit bureaus. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Zimmerman & Zimmerman, P.A.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This case filed Satisfaction of Judgment on XXXX/XXXX/XXXX per XXXX XXXX XXXX XXXX On XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX a Wage Garnishment for the same account knowing that the amount was paid in full. Attempts to contact them have resulted in a road block. The amount paid was XXXX in XXXX. We have also contacted XXXX XXXX XXXX ( formally XXXX XXXX ) and they are also confused as to why this account is still active. They also only issued a Satisfaction of Judgment for the person whom paid the account in full instead of issuing it to both parties since they were on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX violated my privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment 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 explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AZ
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 recently pulled my credit when I saw a change alert and saw many inquiries I do not recognize. They are not connected to me and I do not have accounts and have not contacted these companies. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: VA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 non-monetary relief
Consumer complaint received 2018-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment.

These items of hard inquiries and past credit debts disputed by XXXX, TransUnion, XXXX and XXXX XXXX I am requesting that the items be removed.

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, 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 2022-11-10
Company: Aldous & Associates, PLLC
State: NY
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 have reason to believe my account was hack do to identity fraud during XXXX XXXX and any inquires dated previously or any future uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Spring Oaks Capital, 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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 State i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection on my credit from XXXX for about {$230.00}, but there was already a payment made to them and settled the price for over {$500.00} that I've already paid. I havent had XXXX in years and already made my payment to them to zero out the balance of what was owed and I absolutely refuse to pay anything else do to the fact and this already being established and now a new charge appears out of no where after I've already paid everything I owe to them after not having service with them in 2 years or longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my federal student loans in XXXX. At that time, I was offered a .25 % loan rate reduction for making payments by automatic withdrawal from checking or savings. That term of my loan agreement was never honored by XXXX. As a result, I have been overcharged thousands of dollars of interest over the last XXXX years. I will also continue to pay thousands more in interest than I was promised during the remainder of my loan term. My current XXXX is 3.0 % and should be XXXX. My loans have been bought and sold multiple times and I have never been able to get any of the loan holders/servicers to listen to me about this issue. My current loan holder/servicer is AES-American Education Services XXXX

Company response to consumer: Closed with explanation