BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
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: Personal information incorrect

Complaint:
I checked my credit reports and noticed many different variations of my name and address. I have tried to reach out to Experian, XXXX  and XXXX by phone to dispute these variations but have not been successful. 
The correct first and last name : XXXX XXXX. 
The correct Street AddreXXXX is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
The correct phone number that should be listed is ( XXXX ) XXXX. 
The correct social security number should be XXXX. 
The correct Date of Birth should be 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 2021-08-09
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ZELLE. 
I used this via the XXXX XXXX App to supposedly pay for an engine ; i never received it due to the " company '' was a scam. Then the scammer used zelle to obtain {$850.00} twice and {$970.00}. I caught the second two transactions BEFORE they were processed and called XXXX XXXX requesting that they stop those transaction due to them being scam and was told that they couldnt stop it due to the money going through ZELLE. 
I have filed a dispute 2 times via XXXX XXXX, once as a fraud case, then as per the Zelle represented as a scam case. 
XXXX XXXX stated that the case was declined for repayment, even though XXXX admitted that it was certainly a scam ; and gave me Zelles phone number. 
I have tried multiple times to reach out to Zelle today to dispute this but can not reach a representative!!!! 
This is a travesty on how they conduct business. Basically XXXX XXXX states that Zelle will not repay my money, and I can not reach them, ( ZELLE ) thus they have aided the theives in fraudulently taking my money!!!!

I reached out to the company that I received a receipt from ; they told me that 3 other customers had called them that day with the same complaint. And MANY others had over the previous two weeks prior to my call.

This is a apparent scam to everyone except those that make the decision to refund the money!!! 
I have included a copy of the scammers receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received repetiious phone calls that were intended to annoy, abuse and harass.Threats Threat to do things that can not be legally done ( serious ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Left an apartment complex with rent paid in full. 2 weeks later my account was submitted to collections without my knowledge or allowing me to dispute the debt before hand. I have requested a signed contract with my signature showing I was made aware I would be charged for cleaning after move out and the company has no such documents nor was I advised if these charges before being immediately turned over to XXXX XXXX  without any attempt to notify me before hand. I have requested the company provide proof of the validity and all they have sent is a copy of my XXXX that I did not violate in anyway.

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 2023-01-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a few XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard inquiries on my credit and I believe someone was trying to open those accounts under my name. I did not authorize them yet they are on my credit report as hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My vehicle was repossessed by Ally auto company. They stated that I defaulted on my lone but they stopped taking payments in XXXX of XXXX. In XXXX of XXXX and again in both XXXX and XXXX of that year I was contacted by ally about a past due amount on my account witch I offered to pay in full all three months. All three time my payments offer was denied. They continued to take my monthly payments. Then suddenly in XXXX of XXXX they stopped. I didn't realize this until just recently. I had no notification that they were not taking the payments. On Monday XX/XX/XXXX of this year they repossessed my vehicle stating breach of contract for nonpayment. I have tried to contact them to find out what was going on and there reason for not take payments. I could get no answer after being transferred from department to department. It is apparently clear that the reason my loan went into default is there decision to stop taking payments. Not one person could answer why. When I got transferred the last time to the department I started with I was informed that suddenly I wasn't on the 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 2017-08-07
Company: Rauch-Milliken International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rauch-Milliken International , Inc. sent me a first and final notice dated XX/XX/XXXX regarding a debt connected to a company that I have not been associated or involved with since XXXX. The company was a limited partnership, so any debt acquired by this partnership would not be a personal liability of partners. The partnership was dissolved upon my certificate of withdrawal on XX/XX/XXXX. The remaining partners filed a a certificate of cancellation with the state of California on XX/XX/XXXX when they sold their interest in the company to an outside entity. All Vendors including the client of Rauch-Milliken were notified by mail. I have made several attempts to reach someone at this firm with no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX my identity was stolen. I reported it and froze my credit immediately after. Transunion, however, allowed the perpetrator to unfreeze my credit shortly after. I created a transunion account to keep track of whether or not my credit stated frozen, and they forced me to provide credit card information to create an account. It wasn't clear that they were going to automatically enroll me in credit monitoring services. I found the transactions on my credit card in XXXX. 

Transunion should be ashamed of themselves. These companies use our personal information, force us to go through significant barriers to freeze our credit, and then instead of allowing me to make sure they don't make more mistakes, they charge me XXXX a month. This is ridiculous. I'm XXXX XXXX with 17 years of service, and this is how I'm treated. These companies need to be shut down.

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 2022-08-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 written 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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as 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 2020-02-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a member of the XXXX XXXX XXXX overseas to the XXXX XXXX. I am stationed in a location where I can live in an apartment and drive around the local area. I recently purchased a car from a friend who was returning home. We agreed to {$5000.00} for the car. I attempted to use Chase bank 's XXXX transfer service. The transactions are limited to {$2000.00} using this service, which is fine. I submitted the first payment without any issues. However, the second payment of {$2000.00} apparently flagged my account for " suspicious activity. '' I was able to call, verify my pin, debit card number, and card code. As far as I know, the payment was successful. I was assured over the phone that future payments would not be flagged. Unfortunately, the third payment of {$1000.00} was again flagged. This time, Chase is telling me I must appear in person at a local branch. That is impossible given that I am in the XXXX XXXX and they have no branches here. Their solution is that I call my banker. However, I do not regularly bank with Chase. I am a XXXX member, but I use Chase to process rent and mortgage payments from properties I own. Therefore, I do not have a " relationship '' with a specific banker. Their demand is completely unreasonable and discriminates against military members. There are sufficient technologies available today to verify my identity. Additionally, with the lock in place, I can not withdraw my funds and close my account. This is simple Chase refusing me access to my funds. I hope the CFPB will be able to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I've applied for a Chase credit card ( Amazon Rewards Visa Signature Card ). Chase made a hard inquiry on my XXXX  credit file, negatively impacting my credit score. 
After a couple of days I've received an email informing me that the new card was approved with a {$7700.00} credit line. That was expected as I already have 2 revolving accounts, always pay on time, and so I get very good scores with all the 3 credit bureaus ( typically in the 749-769 range ). 
When I've received the new credit card in my mailbox, I've logged in on the Chase web portal to activate the card, but found out that since XX/XX/2020 the account is closed. I have never used the card, and the only explanation provided by the Chase Cardmember services was the following : - not enough credit information on file. 

According to Chase this is intentional and is not a mistake on their side. Chase is apparently not willing to re-open the account. 
I've basically taken the hit on my credit score, got the approval, but was never able to use the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 written 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 2019-02-19
Company: TD BANK US HOLDING COMPANY
State: CA
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 XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/ 2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to Wall Street in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a XXXX filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly XXXX SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
NON-RESPONSIVE AND INCORRECT. My problem is what is on my credit report because you have not deleted as you are required to do BY LAW after 30 days. SO GET YOU HEADS OUT OF YOUR XXXX AND LOOK AT THE CORRESPONDENCE I SENT YOU. YOU HAD 30 DAYS TO RESPOND ... YOU DID NOT ... THAT'S THE LAW ... IT SAYS THE ITEMS COME OFF MY CREDIT BECAUSE YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. 

Anything you respond at this point is a lie. I will sue you in small claims court for {$10000.00}.

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 2019-06-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My Macys  XXXX credit card XXXX was last used on XX/XX/XXXX to purchase a XXXX backpack {$92.00} at Macys XXXX, New York. And the credit card account statement of {$92.00} was paid in full on XX/XX/XXXX. Since then I have not made any other purchase using this card at a Macys store. 

On the night of XX/XX/XXXX I noticed in my mailbox : XXXX, there were 2 Macys e-Receipts for purchases made in XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, PA XXXX XXXX ) sent to me on XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
On XX/XX/XXXX I contacted customer service and reported the unauthorized transactions made to my account in PA, as I live in New York and did not make those out of state transactions at XXXX Macys. Also, I still have the credit card on hand with me. The representative explained to me those transactions did not go through, the card is now no good, and that a replacement card will be sent to me in 7-10 business days. 

On XX/XX/XXXX, Macys Credit Card sent an email for me to view Macys credit card statement. I logged in to check the statement - there were no activities and account balance was XXXX. 

Since then, I have not received the replacement card nor have I received any credit card statements for the account. 

On XX/XX/XXXX, I received this account past due statement in the mail from Macys. I do not recognize the account balance since I did not make any purchases, nor have I received any statement balance since my last payment on XX/XX/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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Company Inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has 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 written 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 2017-09-18
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 have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

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 2017-08-07
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First National Bank sent me a letter in the mail describing they mismanaged my Escrow account and needed to raise my monthly amount double per month over {$2000.00} per month to get the escrow balance to where it needs to be. That monthly payment was unacceptable and completely unaffordable. After many calls and many days they finally told me they would separate this in a monthly fee resulting in an extra {$600.00} a month to make the escrow amount. I understand the escrow was mismanaged, but I do not see why I am being penalized for the bank 's mistake on managing the escrow account. Now my monthly fee for escrow is more than the principal and interest and the amount required I can not afford. Please see attached documentation.

Company response to consumer: Closed with non-monetary relief