BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My mother passed away in XX/XX/2023. She did not have a will or any assets. I notified all of her creditors of this and returned all documents sent will a cease and desist note attached. This one lawyers office Phillips Cohen after the letter and being told to cease and desist repeatedly, the phone calls Keep coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank has stolen my {$18000.00} checking account and will not give me access to the money. They will not tell me the security failure when i talk on the phone to them.Twice they say they sent a security code to my home by regular mail, but it never arrived and Citibank can not prove that it was returned undelivered. The problem is that they will not explain the security violation and will not send the XXXX XXXX XXXX where there must be a return receipt. It is sent regular mail with no tracking mechanism. For six weeks I have been unable to pay my bills and am in dire financial straits and about to be evicted from my home. I want Citibank to explain in writing the exact security fraud violation and send the code to open the account by 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 2020-01-07
Company: EQUIFAX, INC.
State: AK
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I receive a paper statement in the mail however, this statement failed to be delivered. When I realized that this statement never arrived I immediately contacted the creditor and made the scheduled payment. I was assured by the representative that I made the payment with that no late fee would be given. I did not realize there was a late fee until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and this item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was notified by Chase of a possible fraud charge on my Chase Freedom Unlimited credit card for {$300.00} at XXXX XXXX XXXX XXXX. When I checked my account, I found that charge as well multiple other charges that I had not made that day and the day before ( all are listed below ) : {$100.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$120.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$300.00} XXXX XXXX XXXX XXXX ( XX/XX/2020 ) {$1700.00} XXXX # XXXX ( XX/XX/2020 ) I called Chase and reported these charges as fraud. I told them that these charges were made in XXXX XXXX, Illinois while I was in XXXX, XXXX ( of which I have substantial proof ). Not to mention, I have never been to those stores in my life, let alone on that day. They removed the charges, cancelled my card, and sent me a new one. 

However, they then put all the charges back on my account. When I called to ask why, they said that they had determined that the charges had been made in-person with my chip card, and thus were valid charges. However, that is impossible I was never not in possession of my chip card and was in XXXX, XXXX at the time of the purchases ( as other in-person charges on the very same card on that very same day show ). 

I have now gone through three rounds of escalating investigations to no avail. They have told me there is nothing further I can do besides file a police report and attempt to gain access to XXXX XXXX and XXXX XXXX XXXX security footage, which seems unlikely, though I will try. 

Their latest excuse is that they send me two credit cards back in XXXX, and are claiming that one of them must be the card used to make these purchases, even if I had the other in my possession. However, this is also impossible. I have never been in possession of two cards. When I applied for this particular credit card in XXXX, it never arrived in the mail so I requested a replacement. So even if they did indeed send me two cards, the first one should have been cancelled when I told them it never came and asked for the replacement. So it would be unable to make purchases even under the unlikely circumstance that it was somehow found and used seven months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX can you show how you Verified these accounts what information and agency was used if not please remove these items from my credit.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have disputed the account for XXXX XXXX listed on my Trans Union and XXXX credit report! They are reporting that I owe a balance of {$3600.00} when I have provided documents from the original creditor XXXX XXXX showing that the account was paid in full. I paid {$1900.00} as requested and XXXX XXXX assured in writing that the account would be paid in full and closed no further collection activity however ; trans union keeps reporting a balance owing of {$3600.00}. I have provided the settlement letter and yet these XXXX creditors still have no updated my account.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-22
Company: LEXISNEXIS
State: AL
Product: Credit reporting 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.

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 explanation
Consumer complaint received 2020-01-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XXXX of 2018 I had contacted cfpb about this matter, I was awarded back my fees and refund and was told to go back to the station where I had purchased a moneygram in question, I have done so on many occasions and have been told everything from the computers are down to they are selling the business and will be up running soon to now and so I called moneygram and now it says my reference number is in valid and now again I'm fighting to get back my refund of XXXX and moneygram transaction fees, please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-21
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm sorry to get you involved again but PHH Mortgage has lied again. 
XXXX XXXX at XXXX XXXXXXXX XXXX says that they don't own the loan. I was told in XXXX that they did. PHH Mortgage wrote me a letter XXXX XXXX to me and said the same thing. 

PHH Mortgage sent a piece of paper to Oregon Forclosure XXXX XXXX and it stated that XXXX XXXX still owes it. All this time waste and PHH Mortgage is at Fault for not having the loan paid off not me. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my XXXX Credit report theirs is one negative item that's 80 days past due its a fraud account last four XXXX it supposed to be removed from my XXXX Credit file I have a federal trade commission identity theft report on and on experian theirs two negative items that supposed to be removed from my experian credit report I have a federal trade commission identity theft report on file and trans union theirs is three negative items that supposed to be removed from my transunion 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 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Prizm Financial Company, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have already filed a complaint with the company through here once already. They have one employee that continues to harass me and threaten me. The company has already responded to the original complaint through here and the employee continued to harass me. So I reached out to the supervisor and they advised me that the employee would be removed from my account. Im not even 30 days late on my payment and the same employee that the company advised me would not be allowed to touch my account put my car on the repo list and advised me to surrender now. He is very unprofessional in the way he conducts business and the way he continues to go against company orders and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 2022-12-11
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:
I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the XXXX XXXX pandemic.

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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
transunion, and XXXX dropped my score 85 points after being stagnant one week.also XXXX  let my info get stolen.i also would like to know why these companies have any right to my info in the first place i do not remember giving my permission? please explain this.i contacted the they had no good reason why my score dropped except i went stagnant, when i asked why one week was sufficient to them to drop my score 85 points i got told that if i was basically in debt it wouldn't of happened.

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 2022-01-26
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:
I sent Trans Union a dispute regarding XXXX XXXX XXXX and the validity of this fraudulent item on my consumer report. Nothing has been done about this account that does not belong to me.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

XXXXXXXX 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 2023-11-22
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called them on XX/XX/2023, XX/XX/2023, and XX/XX/2023 trying to get access to my account. When I try to log into the website, it says " Sorry, we're unable to process your request right now. Please try again later. ". When I try their app, it gives the same thing with a phone number to call. Calling the phone number gives me a robot to reset my password but resetting my password does not fix the issue. After maybe XXXX minutes of trying to get through the robot, I can finally speak with an agent who also tries to reset my password. Once I can get a word in and give all the details needed, they try to reset my password again which doesn't work. Once that is done, they tell me they will put in an escalation ticket but nothing ever comes from that. So far, I believe I have reset my password close to XXXX times just trying to get access to my Experian account.

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 2021-04-20
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: Their investigation did not fix an error on your report

Complaint:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2022-12-11
Company: Experian Information Solutions 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:
I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the XXXX XXXX pandemic.

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