BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from the court that Transunion claimed they verified a XXXX  XXXX bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX XXXX They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I filed a dispute over 30 days ago and have not heard nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On multiple dates ranging from XX/XX/XXXX to present I get multiple phone calls a day from PRA Group, INC. Phone numbers all come from various parts of the nation from multiple area codes. Most recently from an XXXX number. I have no outstanding debts with this company and when I try to call any of their numbers back or when I answer the phone there is music playing and I usually hold off for a few seconds then hang it up. This company is harrassing me and call at the most inconvenient time including while I'm sleeping in the early hours of the morning starting around XXXX XXXX. I want this investigated please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two fraudulent debt collections ( in the amount of {$320.00} and {$210.00} ) have been filed on my credit report from Phoenix Financial Services, LLC. After calling them, they stated that I have unpaid debts from XXXX ... ( Please note that this alleged fraudulent debt they are trying to collect is more than 7 years old ) On XX/XX/XXXX, I requested a debt validation letter but was told I needed to wait 2-3 weeks for it to be sent. One full month later, no debt validation letter has been delivered. 

On my last attempt, I sent a letter ( via certified mail ) to Phoenix Financial Services, LLC requesting that documents validating the debt be sent. To this date, no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. Phoenix Financial Service has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C section 1692g.

I request CFPB to take the necessary steps to protect me from this fraudulent action by Phoenix Financial Services, LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2023 at XXXX Am I deposite a {$6000.00} cash all $ XXXX bill in ATM OF XXXX XXXX XXXX XXXX XXXX 
ATM number is XXXX. 

ATM message appeard said we are unable to return your cash and receipt of {$300.00} printed out. 

I called the number written in ATM XXXX, and reported the issue and file claim number : XXXX. 

Bank saiyng it take XXXX to XXXX business days to resolve claim. 
I dont blive bank have the right to hold my cash deposite for that long time.

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, XXXX and TransUnion several times.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from myreport as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX DEPTEDXXXX XXXX {$8500.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00}

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 2020-07-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been an American Express cardmember since 1983. I have 3 American Express cards, including a XXXX card for which I pay fees alone of {$5000.00} a year. American Express wrongly charged fees of {$310.00} on my account and has been charging a " delinquency charge '' of {$39.00} a month since then. American Express has recognized its mistake on three occasions but refuses to credit my account for it, despite saying it will do so. I have spoken to a representative for each of the last 3 billing statements and on each occasion the representative assures me that the amount will be credited - but then fails to do so. I spoke with American representative XXXX on XX/XX/XXXX, who said she had " reversed '' the charge. She lied. I spoke with representative XXXX on XX/XX/XXXX. She said I would be " refunded '' for the charge. She lied. The only way I can hold Amex responsible for doing what it says it will do is to contact the CFPB. This has now escalated. The card with the wrong charge is my Corporate Card - and now my employer has started advising me that I am " delinquent '', which is ruining my internal reputation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ive requested proper debt validation based on section 609 of the fcra with no feedback and its been beyond 30 days ago violating fcra 611 also violating fdcpa policy theses companies continue to say the debt is valid with no physical proof in any way this is illegal and im in definite need of help please thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I want to raise concern due the company not reviewing my full application for medication. The company keep saying I do not live in the house. I have provided proof several times to the company that I do in fact live in the house. But I feel the company just want to take my home. 

Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midwest recovery on XX/XX/XXXX post on my XXXX credit report false information - that there is a collection account under my name with XXXX XXXX XXXX for {$390.00} originally reported XX/XX/XXXX. After finding out who was the original creditor that provided that information I contacted the creditor directly XXXX  XXXX XXXX and it was confirmed that the account was charged off shortly after XX/XX/XXXX - over 1 year earlier which put the account illegal to be posted on any credit reports since 7 years were passed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck. 

My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you

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 2020-07-08
Company: TD BANK US HOLDING COMPANY
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:
To whom this may concern ; 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. 
XXXX BANK XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I went through the pre-approval process online and it said I was pre-approved for a personal credit card. I have an XXXX XXXX XXXX but was denied. The reason given was ( identifying information does not verify. ) I called them and verified myself over the phone and wanted to know what specifically they here having a problem verifying and i would send proof but they would not tell me. I already have a business credit card with them so I know I must be verified and in their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: NJ
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 XXXX/XXXX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Recently Viewed My Equifax Credit Report and Noticed EQUIFAX has An INQUIRY.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX I DID NOT GAVE OR AUTHORIZED EQUIFAX PERMISSION TO FURNISHED AN INQUIRY ON MY REPORT. NOR DID I SIGN AN AGREEMENT OR CONTRACT WITH EQUIFAX ... .SO I NEED THAT iNQUIRY TO BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Sentry Credit, 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:
To whom this may concern ; 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. 
XXXX BANK XXXX # XXXX Opened XX/XX/2017. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 my mother and I were scammed for most of our money. The scam artists convinced we were both kidnapped. After transferring money to them through XXXX XXXX and XXXX XXXX, my family was worried about me and called the police. They tracked me and the police found me talking to the scammer. They said that my mom was fine and relieved I finally hung up. I called XXXX XXXX and XXXX about this incident. As the fraud department at a chase was closed, I called them on Monday to report a claim. Chase said they will call me for more information and never did. I called on Wednesday to check the status and they said they denied it was fraud because I physically sent the money. I could not believe it. After going through that psychological traumatic experience, Chase did not even further investigate this claim. I wish something could be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Credit inquiries on your report that you don't recognize

Complaint:
After checking my credit reports on the federally provided link at https : //www.annualcreditreport.com/XXXX XXXX with each credit report ; XXXX, Experian & XXXX XXXX XXXX notice I have several fraudulent inquiries in which I am not familiar with nor did not authorized. The inquiries are as follows : EXPERIAN : Informative Research Inc inquired on XXXX XXXX Report inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX : XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXX XXXXXXXX, XXXX via XXXX XXXX XXXX inquired on XXXXXXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXXT via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on 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 2022-01-06
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX - {$8000.00} loan taken from Wilshire Consumer Credit with the terms of 48 monthly payments. 
Last payment paid on XX/XX/XXXX. 
When asked to return my title, XXXX said I still owned them {$9200.00}, generated from late payment interest which is never disclosed to me in my monthly statement. 
They offered to rewrite another loan, and threatened to repo my car. 
When I researched on the internet I found out there is a case exactly like mine posted on the news and XXXX. Due to the involvement of the media and XXXX  the vehicle is returned to the owner and all the fees are waived. 
Here are the link to the video XXXX XXXX XXXX XXXXXXXX

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 2018-12-18
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/18 I had {$21.00} in my account after my {$10.00} and {$7.00} transactions cleared I had {$3.00}. I then had a payment for {$82.00} come out of my account. this should have put me negative {$78.00} however regions changed the timeline of the transactions to make it so that I would over drawn multiple times and receive multiple fee 's. they made the {$82.00} transaction come out first even though it was the last transaction made that day resulting in me receiving over {$100.00} in overdraft fee 's. I am a XXXX XXXX with medical issues and feel completely taken advantage of. this is literally making it so I can not get my children groceries. when I asked regions for information on how to submit a complaint I was told I would be transferred to the department however was transferred back into the automated voice system. I want the fee 's refunded asap.

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 2018-10-01
Company: Thaxton Investment Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On Friday, XX/XX/2018, XXXX XXXX of XXXX AL violated my privacy by coming to my home and leaving a collection letter with my husband because I was not home. My husband is not on the loan. I actually never applied for a loan with the company. They also call and leave messages multiple times a day everyday Monday through Friday. They sent a live check to my home due to some kind of pre-screening and I dont even know how they got my personal information. Due to my job closing down money was tight so I deposited the check. I have been unable to pay it back for the same reason.

Company response to consumer: Closed with explanation