BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : XXXX ACCOUNT # XXXX The XXXX ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( E ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX an account from Portfolio Recovery was reported on my credit profile. According to State of California law, the state I reside in, it is passed the statute of limitations. Available data shows it was last reported on XX/XX/XXXX which is passed the legal date for this type of account to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Some young girl said she got in a car accident and couldnt cash a check that she wrote/received so I cashed it for her. I then realized that that amount was taken out of my account a few days later

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am became a member several years back an attempt to try this new prepaid credit debit card/bank account Bluebird American Express services. 

I never thought that simple and standard, card services would become a complete nightmare. 

If anyone is thinking about this services I would steer clear away from these services. 

I have tried over and over to get this so called company to resolve this issue and nothing was resolved. 

Then they place hold your account with your added founds for several days and you have no use of your own money. 

Also ever time you make a purchase they double the amount on that one purchase, so that it purposely lowers your amount that you added with your money. 

So finally I asked to just close my account, and send me the balance that I added. Needless to say that they shorten me {$300.00} from the balance that I added to this account. 

This financial institute, didnt even allow me to go into my account or look at my balance nothing. 

The state attorney needs to investigate this company because I really do think this company is in business into robbing people XXXX and legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Fidelity National Financial, Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested that Chicago Title provide me a copy of the Chicago Title policy on file so I can sell my house. It has been over a month and I have not received the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. Ive filed complaints with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions and said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters and I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyve ignored my requests to remove the items which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 and Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$23000.00}

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 non-monetary relief
Consumer complaint received 2022-04-01
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never served any documentation of eviction. I went to the court and got documentation of the plaintiff 's false eviction. On their proof of service it states address XXXX XXXX XXXX # XXXX XXXX, CA XXXX. That is the wrong unit number. My unit number was XXXX not XXXX. How can you possibly serve someone at two different unit numbers? I moved into my new apartments called XXXX XXXX XXXX and I attached my lease agreement which I signed XX/XX/2018. The plaintiff 's proof of service contradicts and doesn't make sense whatsoever. The proof of service states the plaintiff signed the proof of service XX/XX/2018 but I moved into my new apartments XX/XX/2018. It states in the court papers that this was because of possession back to the plaintiff, it was never about me owing rent. My husband tried to pay rent XX/XX/2018 and the temp that was assigned at the leasing office stated that she will not accept our rent which is a violation of the tenant protection act. The plaintiff violated the Tenant protection act and increased the rent numerous times in the past 4 years we lived at XXXX XXXX XXXX. The tenant protection cap annual rent increase is supposed to be at 5 % which the plaintiff violated. On XX/XX/2018 the plaintiff filed court papers of entry of default, judgement and writ. Superior court returned documents to plaintiff and was unable to process the entry of default and judgement of writ because their attorney misspelled clients name or misinformed the courts of the spelling of their own clients name. I would like this information to be removed from me and my husband XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Global Lending Services LLC
State: GA
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:
On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX XXXX and XXXX. I was told by XXXX  that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked Global Lending Services for a copy of my contract and to no avail did I get anything from Global lending or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
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: Problem with personal statement of dispute

Complaint:
I have factual documentation regarding a dispute I filed with XXXX XXXX XXXX creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my XXXX XXXX has dropped substantially XXXX XXXX to the XXXX 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.

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 2022-04-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX my chase card account # XXXX was breeched through Amazon, who contacted Chase and my card was replaced twice with # XXXX then # XXXX due to a additional Back Door hack again from Amazon both Chase and Amazon had credited me for {$1600.00} and Amazon replied that the fraud was caught and it wouldn't be posted to my account either as a charge or cancelation then on XX/XX/XXXX the charge was added back to my Chase Credit Card account and when I questioned your recovery team they replied that amazon said that there had been a delivery to my address for the purchase of this laptop Amazon denies this and my account records was sent to the chase recovery Team in the XXXX who was very disrespectful to me as I tried to address my account problem, and feel that now on XX/XX/XXXX with a reoccurrence of unusual activity again through Amazon in which I had legitimate proof that someone had a Backdoor through Amazon and accessed my Chase Credit information in which Chase & Amazon try to hide. Which is why I filed a second complaint with the XXXX XXXX XXXX, now I'm being blocked from accessing my account or making payments in which I feel that I'm being singled out and harassed because of my filing this second legitimate XXXX Complaint this past month of XX/XX/XXXX. Someone from Chase did Call me a week or two after I filed my first OCC complaint and asked if I was the Person who had the chase Account and filed the OCC Federal Complaint and when I replied yes immediately hung up and ended the conversation, and up to today I'm still being blocked by Chase online card services, who is keeping me from accessing or paying my account, I asked your agency to help chase have locked my account again after it was open for 3 weeks now I believe I understand what is happening here chase is trying to force an auto payment from my Bank and I don't want this done they are not sending me any paper bills

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called Experian, XXXX and XXXX. I was told by Experian that they verified the account and I can continue to dispute the same issue. Experian also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or Experian which stated to me that they do n't have to verify anything with me what Experian told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with XXXX different amounts on it they said it would be nothing that they can do.

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 2017-10-27
Company: EQUIFAX, INC.
State: MO
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:
XXXX has XXXX XXXX XXXX on my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want XXXX to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've got multiple hard credit inquiries on credit report. 2 of them on XX/XX/XXXX from the same company capital one which I did not give permission to run my credit. Also got one on XX/XX/XXXX from XXXX XXXX XXXX XXXX Which I did not approve to run my credit. Also XXXX XXXX on XX/XX/XXXX. Also XXXX XXXX XXXX on on XX/XX/XXXX. XXXX XXXX  on XX/XX/XXXX and I also have multiple ones with XXXX XXXX on different dates. 


Also would like for XXXX XXXX XXXX to update my profile as paid in full and to remove negative remarks in my credit. Majority of the times I was late was less then 10 days. So why report I was more then 30 days late. These little things are hurting my credit. And my wife and I are trying really hard to build our credit to buy a house for our family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: GA
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 open opened this account XXXX/XXXX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XXXX/XXXX/XXXX for {$30.00} XXXX {$27.00} scheduled payment ) then on XXXX/XXXX/XXXX paid {$38.00} XXXX which would have paid off the entire debt ). I .. all payments were reported as paid. Until XXXX stating I was 30 days late, which is not true. 
On or about XXXX/XXXX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XXXX/XXXX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XXXX/XXXX/XXXX and payment was not credited until XXXX though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.

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 2021-11-09
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I clicked a link on XX/XX/2021 to open XXXX checking and savings accounts. The terms stated that if I deposited > {$200000.00} within 30 days and maintained that balance for 60 days, I would receive a {$1500.00} bonus within 90 calendar days.

I deposited {$210000.00} between the two accounts on XX/XX/2021 and have maintained the balance since then. I called over the summer and an agent confirmed that my account was eligible and I would receive the bonus by the end of XXXX. 

Having not received the bonus I called again on XX/XX/2021 and the agent confirmed the promotion was linked to my account and I should have received the bonus. They opened an internal case and was told I'd hear a response within 5-7 days. 

On XX/XX/2021, I called back and the agent said there was no record of the promotion being tied to my account and also no record of my call on XX/XX/2021 ( which I received an email survey asking me about ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have an XXXX advance and I asked if I could pay it in early XXXX as I am changing jobs and my paychecks will be weird for a bit. Them forcing me to pay it now would preclude me from paying rent. I was in contact with a customer advocate and he told me because I once had an extension I can not have another. He would not entertain any other solution and was disgustingly rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have already filed an initial complaint on the debt company XXXX XXXX. That one is still being worked out. This complaint is on the law firm they are using O & L law group. I was contacted out of nowhere about threats of a lawsuit about a debt. There was no confirmation of the debt. No payment arrangement or anything. Just straight to the lawsuit.I am the victim of identity theft and I had multiple fake accounts opened. If this debt is legit it could be one of those. But there is no way to confirm. This law firm is known for shady tactics. Do a XXXX search on them and you will see a XXXX star review for this law firm. They are known for threats, shady tactics, and basically stealing your money for a debt that is minimal, maybe old, or may not even be yours. This firm needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My paypal account has been locked for more than XXXX I need to remove my fund in my paypal account Email in my account is XXXX XXXX

Company response to consumer: Closed with explanation