BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: Cottonwood Financial Ltd.
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
These people keep calling me saying I owe a payday loan from 2015 to The Cash Store. ( The store is located in a state i have never lived in ) They called my mother and my sister in law stating I wrote bad checks and that I have a warrant out for me. I have never taken out a loan or written bad checks. I called them back and tried to get their address and business name. They refused to give me their address but gave me their name as XXXX XXXX XXXX XXXX. They got very aggressive with me when I refuse to give them any personal details until I verified if they were legit. He said I was going to be served with court papers if I didn't pay. The man then stated my full social security number over the phone in front of at least 2 known workers and my date of birth. I asked him to send me an email with confirmation of who they were again he became aggressive. This is the 2nd time I have tried to dispute this claim with this company and they won't stop harassing me and my family. I'm afraid that these are scanners because now I know they have my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase bank has denied a claim for fraud on services not rendered. For a claim that is {$1200.00}. I didnt receive the services and they dont care because the company had my account info. They were paid so of course they do but the didnt actually do the services. I am hoping to get the reversed before they come out of my account on XX/XX/26.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: NY
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:
as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3300.00} {$3300.00} {$3300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5900.00} {$0.00} {$3300.00} Credit Limit : {$6000.00} {$6000.00} {$0.00} Past Due : {$3300.00} {$3300.00} {$3300.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXL XXXX Balance : {$9700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Consolidated Recovery Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked this company to stop emailing me to just mail me validation on this debt simply a contract between me and the creditor my signature stating I owe this debt along with any other proof that leads me to this debt collector I have never heard of and I simply just get emails back stating here 's your validation with no contract or anything I have emails I can forward to this claim I have emails in which I have asked a few time to stop emailing me and him continuous to email me I have tried to block this debit collector and it has not worked I'm still getting emails I'm feeling very flustered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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:
Dear Sir/Madam, I am writing to dispute 18 inquiries that appear on my credit report. According to my records, these inquiries were not authorized by me, and I believe they were made without my consent. 

1. XXXX - XXXX - Account Review 2. XXXX XXXX - XXXX - Account Review 3. XXXX XXXX - XXXX - Account Review 4. XXXX - XXXX - Account Review 5. XXXX XXXX - XXXX - Account Review 6. XXXXXXXX XXXX XXXX XXXXXXXX - Account Review 7. XXXX XXXX - XXXX - Account Review 8. XXXX XXXX - XXXX - Account Review 9. XXXX XXXX - XXXX - Account Review 10. XXXX XXXX XXXX XXXX - Account Review 11. XXXX XXXX - XXXX - Account Review 12. XXXX - XXXX - Account Review 13. XXXX - XXXX - Account Review 14. XXXX XXXX - XXXX - Account Review 15. XXXX - XXXX - Account Review 16. XXXX XXXX - XXXX - Account Review 17. XXXX - XXXX - Account Review 18. XXXX XXXX - XXXX - Account Review I am also requesting that these inquiries be removed from my credit report as soon as possible, as they are negatively affecting my credit score. 

I have enclosed a copy of my credit report with the inquiries in question highlighted for your convenience. Please review the information and provide me with a written response within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.

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 2021-02-27
Company: EAST WEST BANK
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Lots of scam forex brokers open fraudulent accounts with east west bank, and victims got lured by scammers wiring large funds to those personal accounts opened by the fake brokers. As one of the scam victims I tried to call East west bank fraud department multiple times reporting the frauds being committed by fake scam broker who opens multiple peroneal accounts in east west bank with no luck, the associates either away from the desk or voice mails are full, not able to reach any of them. 

I lost XXXX dollars to scam broker 's accounts in east west bank, the bank should freeze those accounts and pull the money from those scammer 's accounts and return to victims instead of ignoring it, just simply says no way to return. 

Date 1 XX/XX/XXXX Bank NameEast West Bank Bank Account Holder NameXXXX XXXX XXXX XXXX XXXXXXXX XXXX ROUTING NUMBERXXXX ACCOUNT NumberXXXX Beneficiary Bank AddressXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Beneficiary Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ca XXXX XXXX dollars 2 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX Account Holder Address:XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 3 XX/XX/XXXX Bank NameEast West Bank Recipient name XXXX XXXX XXXX Routing numberXXXX : XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CAXXXX Account Holder Address:XXXX  XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 4 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX XXXX XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA,XXXX Account Holder AddressXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX dollars 5 XX/XX/XXXX Recipient name XXXX XXXX XXXX Routing number/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA,XXXX Account Holder AddressXXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, Ca XXXX XXXX dollars Total : XXXX dollars

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 2019-01-04
Company: AES/PHEAA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX of 2018, is holding my credit line from getting va home loan. the reason of these issues was my wife got diagnosed with XXXX and at that time i was between jobs and my wifes medical Needs came first

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: JPMORGAN CHASE & CO.
State: SC
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: Overcharged for something you did purchase with the card

Complaint:
XXXX XXXX issued us the same tickets XXXX  XXXX. 
Chase Claim ID : XXXX We bought air tickets round trip on XX/XX/2021 Tickets Total amount= {$2600.00} Original Tickets attached. 

Charged again on XX/XX/2021 {$3000.00} During travel back, due to technical issues with XXXX check in, our XXXX  was not opening up. They denied check-in and boarding. Me travelling with spouse and with XXXX kids ( XXXX yrs infant and XXXX yrs old ). 
Since i had to report for urgent meetings and office work and kids vaccinations, schooling etc, we had to travel back. We requested a lot to officials and no body helped. We were forced to buy tickets as there was NO ALTERNATIVE but to pay. 

Discussed with CHASE and XXXX XXXX. 
No response from merchant when tried to discuss with customer service. 
Chase team asked to talk to merchant. 

Appreciate, if team can understand the hassle fighting for the concern from last 6 months, XXXX bad and dis-respectful behavior with my wife, XXXX pathetic customer support, CHASE not helping us and understanding the concern and charging interest fee. 
We feel stranded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Multiple addresses that dont belong to me Numbers and my name is spelled different

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 2019-03-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX  service and I had a deb with them that was paid trough a 3rd party company CREDENCE RESOURCE MANA the  debt was paid to this company for about 2 years now and they still showing in my credit report as not action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am or was refinancing my primary residence at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I locked my rate and submitted my loan application on XX/XX/XXXX. After constant delays and hiccups Loan Depot set a traveling notary to our house to sign and notarize documents/signatures. on XX/XX/XXXX they emailed me stating they all the documentation in underwriting with our signatures for final review ( Im a licensed XXXX year XXXX XXXX XXXX in XXXX XXXX, XXXX  and also in XXXX since XX/XX/XXXX ). On XX/XX/XXXX I received an email that we funded and would be closing the same day. After that there was no indication or communication that the Deed ( s ) were recorded. I have been checking my bank to verify my loan being paid off which usually shows up within 24 hours and saw nothing on-line on Loan Depot 's website? I have emailed every one I could get a hold of via email and telephone and I finally pulled a Closing Disclosure off their website today. My loan is still in place 1 week later with my existing lender XXXX XXXX, the XXXX XXXX XXXX XXXX that was supposed to receive the 1st installment payment out of the refinance has received now payment. Furthermore, XXXX XXXX Bank has not received any contact or payment for payment of the existing 1st Deed of Trust. We have received nothing in the mail. I have contacted every one I could at Loan Depot. They do not respond with the exception of the lending department manager yesterday called me and stated they do not have the money on hand, but the deal has closed. Im a XXXX  year XXXX XXXX XXXX and have never heard of a deal closing with no previous debt paid off, the Deed ( s ) recorded and a final HUD1 ( Closing Dispersement ). I am concerned that Loan Depot may have funded the loan and kept the money and/or misappropriated to another borrower or never funded and actually closed and my exposure of either of these scenarios is potentially have one unrecorded loan accruing interest in our names and us not knowing where the money is located in addition to our existing mortgage accruing interest at a much higher rate at the same time and our 1st installment property taxes being delinquent or being paid  twice and then trying to collect the monies?!

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 2019-10-24
Company: EQUIFAX, 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:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has violated 15 U.S. Code 6802, 15 U.S. Code 1681a, and 15 U.S. Code 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  company has placed several collections on my credit report. I have not received any information from this in regards to what they have placed on my account. I have attempted to call and write them and requested written information verifying the validity of their information. They have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I received a notice from XXXX XXXX XXXX that my car payment had bounced. I know that there was plenty of money in that account. I called XXXX to see what was going on. They informed me that Bank of America had frozen my account. This was news to me. 

I called Bank of America to see what was going on as I had received absolutely zero communication about this. They informed me that I, the person that opened the account and the only person who uses it, was not authorized to even find out why my account was frozen. My wife, who is on the account but has literally never used it, had to call a number that the BoA rep gave me and give the reference number. 

My wife calls the number, that I verified with the BoA rep, and gets something about cruise lines. I dont know if that was some prank by the BoA rep but Ill move on. My wife then calls the main BoA number and gives them the reference number. They are unable to find this. 

After another hour or so of my pregnant wife calling seemingly every published number for BoA we get to the bottom of it. Bank of America froze my account causing my car payment, student loan payment, and BoA credit card payment to bounce. All because they could not verify an address for my wife. 

My wife knowing that there are protocols and legal requirements in her own field concerning due diligence regarding contact attempts asked what steps BoA had taken before freezing my account. The astoundingly unacceptable answer was that they had sent one letter to this unverified address. No calls, no emails, not even a second letter to the verified address that every other piece of correspondence from BoA goes to. 

In summary, Bank of America froze my account causing payments to bounce incurring late fees and affecting my credit score for the dumbest reason imaginable. This in itself Im not even that bothered by. They might have a good reason. They probably would say that Im not allowed to know why but Ill give them the benefit of doubt. What is so egregious is that they made almost no effort to contact me and the only way I found out that anything was wrong was from a different company altogether. They have my address, phone number, email, even my social security number. They can contact me easy as can be. They made the choice not to. This is wholly unacceptable.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 602 A Section 2 : It also states a consumer reporting can not furnish an 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 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-09-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account off in a settlement of {$390.00} on XXXX/XXXX/2020. They said theyd pay to delete. Its still on my credit report.

Company response to consumer: Closed with explanation