BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account that has been confirmed to be fraud by the company. It should have been removed from my credit report already. It is still showing on my credit report. I am asking for it to be removed asap. I have uploaded the letter from the company.

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 2022-07-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My sister passed away suddenly XX/XX/XXXX. In going through her belongings, I discovered an uncashed check ( {$6100.00} ). The check was issued by Chase bank in XXXX and is the balance of a closed bank account. I contacted Chase ; they indicated that they reported the funds to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ). I contacted the XXXX ; they did an extensive search and concluded : Chase never reported the funds as unclaimed. I contacted the New York State Attorney General 's Office ; they referred the matter to the New York State Department of Financial Services, which is currently investigating. The New York State Department of Financial Services also suggested that I contact the Consumer Financial Protection Bureau. 
If Chase indeed reported the funds to the XXXX, let them produce the documentation which supports their claims. My family will then present it to the XXXX, collect the funds, and the matter will be closed. 
Evidently, Chase has a nasty habit of not reporting unclaimed funds ; please hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to negotiate a debt settlement with my original credit card company ( First National Bank of Omaha ). In the midst of this negotiation, I received a notice from that  original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. 

I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( XXXX XXXX XXXX ), telling me that I need to send payment to XXXX. I sent them a verification letter on XX/XX/XXXX/2019. To date ( XX/XX/XXXX/19 ), I have only received copies of my credit card statements and a notice stating that XXXX was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.

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 2021-07-02
Company: ProCollect, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called to settle a {$70.00} debt. I was spoken to in a rushed, abusive, bullying tone by the rep XXXX. She talked over me and would not respond to my request for her to change her tone or lower her voice level. She threatened to write on my credit report that I " refused to pay '' if I did not give her my credit card number immediately. She used condescending discriminatory tactics I made the full payment. She did not thank me.She has not sent me a receipt for my payment. I have no way to prove it was paid! I can not get an apartment unless I can show payment was removed from credit. They have ridiculous power over someone's credit and this should not be allowed. 

XXXX XXXX = Rude, unprofessional, and cursing low-life representative. Unacceptable. Hundreds of XXXX Reviews say the exact same thing. I even tried to call back to COMPLAIN, and the man who answered in that dept. was exactly the same! He would not even take a complaint, but insisted I give him my Social Security number! They need to SHUT DOWN this horrible place!

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 2023-11-10
Company: EQUIFAX, INC.
State: OK
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 am unable to obtain a accurate score or to have the information updated. with XXXX Equifax or XXXX they are violating several U.S.C. codes as well as Metro 2 compliance and the FDCPA. I have made multiple attempts as well as phone calls with no resolution or resolve in these matters. I will not tolerate the level of unfairness in regards to these multiple violations this results in damages that I will seek to recover through litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2022 I believe an individual spoofed my Truist bank account and withdrew {$1100.00} to pay for something I did not authorize at XXXX The money is pending withdrawal from my Truist account under the name XXXX XXXX to XXXXXXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX. The email usedd was XXXX This person apparently used XXXX to put the XXXX into his XXXX. 
I immediately called Truist and asked them to deny this charge. It is pending. The same person also took {$250.00} from my Truist credit card

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 2022-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a victim of identity theft, someone got access to my personal information including my Social Security number drivers license number and birthdate and opened up fraudulent accounts under my name negatively affecting my credit score identity thieves opened up unauthorized accounts in my name costing me upwards of {$20000.00} in debt with fraudulent charges

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. I am exercising my rights under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and items lack factual proof, hence challenging their reportability. Federal and state laws require accurate and complete reporting of allegations, and it is inappropriate to report claims that are known or should be known to be unlawful.

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 2022-08-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I was made aware of XXXX transactions being made from my account without my knowledge or consent from XX/XX/XXXX XXXX XXXX, XXXX. I contacted Wells Fargo about the transactions and made it clear I did NOT make those transactions and that I do not use XXXX. Over {$3000.00} was taken from my account! The agent decides to only file XX/XX/XXXX of the transactions and the claim was denied for that reason ( per the agent I spoke to 10 days later ). They then proceeded to close the account and would not discuss the issue further. I filed an executive complaint which did not help. On XX/XX/XXXX another claim was filed with the correct transactions ( all 20 ) and again they denied it without providing reasoning. Now today ( XX/XX/XXXX ) I have been hung up on by agents and told they can not get my funds back nor explain to me what happened. I just want my funds back.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Report act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

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 writing instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
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:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2021-03-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi So this is about the US based company XXXX. I have been a XXXX customer for years and I never faced any issue with them as I work with all possible honesty. I hardly face disputes as I never take money for something l dont deserve and my clients are happy with me. 

One fine day XXXX says you no longer can use paypal and we are closing your account permanently. Money is stuck in there too. It is a pandemic time and even the slightest amount makes a difference to us. 

Money is not the problem. The problem is firsr paypal made us dependent on them and now when we have no other medium of receiving payments they have closed the account. 

The company acts like a bully as it is not ready or available to explain the reason of shutting down. There is no reason to shut it down as I have been using it with all honesty and all my customers love my work. 

I have always believed that honesty never ever put us down and honestly is rewarded across borders. My XXXX knows that I have been honest in my work and every XXXX I have earned denotes my hardwork and paypal has to understand this and not shut down on us like this. 

You have to check how they are behaving with the customers as there is no way to contact them at all. 

If there is XXXX in real and I have done good deeds in life then justice will prevail. 

XXXX account email : XXXX Regards XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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:
ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-02
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023, and months on end, I have sent the company Ford Motor letters by certified mail requesting validation of this account without avail. The company actions has been dishonorable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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:
I asked them to provide anything to me showing that I applied or signed anything with this company. They keep coming back to me stating that the account is correct. Please show me your proof!

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 2022-07-16
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX, I received a notice from XXXX stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Not only did they violate my rights but several inaccuracies are report in each bureau. In XXXX the Collection is stating that is is open. In Equifax the collection states closed. In XXXX it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-04-26
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my previous complaint was closed. However, Amerihome has NOT resolved my problem. Amerihome is responible for transferring mortgage payments, that they received back in XXXX, to my new mortgagor XXXX XXXX  and they have NOT transferred the payment to date. 

On XX/XX/XXXX, my loan was transferred to XXXX XXXX. The following payments were sent to Amerihome and have not been accounted for : Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Diligently, these payments should have been transferred to XXXX XXXX  and applied accordingly. However, there is no trace of the payment being forwarded to XXXX XXXX. I have made numerous phone calls to the Resolutions Dept and have been unsuccessful in finding any resolve. This issue has been ongoing since XX/XX/2022. 

Amerihome replied to my previous complaint on XX/XX/XXXX stating they were " in the process '' of wiring those payments to Regions. TO DATE THOSE PAYMENTS HAVE NOT YET BEEN RECEIVED! PLEASE RESOLVE MY PROBLEM BEFORE YOU CLOSE MY COMPLAINT. 

This is unacceptable and Amerihome needs to be held accountable for mishandling my payments. 

I insist that someone from your Corporate Office contacts me regarding this serious matter.

Company response to consumer: Closed with explanation