BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX  XX/XX/2023 XXXX FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: LA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 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 2017-12-12
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please be advised of the following. The response from XXXX XXXX to the Consumer Financial Board states the following : " Sent to company STATUS Sent to company on XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE When we were notified of this case, we sent you a letter letting you know we received it. We also called you at XXXX, on XXXX XXXX, XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. '' I checked my telephone and there was no record of a message or telephone call. The fact that JP Morgan will again use the same old tired tactic of " researching complaint '' is a tired trick by a dishonest and greedy institution. 
Just wanted to have this on the record. They have excelled in the art of deceptive mortgage practice and by stalling they hope to frustrate the consumer. Not me. Will not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this CFPB complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus requesting the correction of the disputed accounts reporting inaccurate information on my Credit File. I feel like the Credit Bureaus are not doing what they are ought to do. Under the Fair Credit reporting Act, the Credit Bureaus are required to investigate and correct any accounts and information that are reporting inaccurate information. For the last 6 months, I have been disputing for the correction of my Credit File, however, the Credit Bureaus have been ignoring my disputes by not responding to my Dispute letters. They surprise me by instantly reporting the disputed accounts as verified on my Credit File without properly sending me copies of proof of their investigation and verification. This action of the Credit Bureaus is a clear violation of my rights under the Fair Credit Reporting act. If the Credit Bureaus really did conducted an investigation, they should have sent me copies results of their investigation. As of now, I desire nothing more than just the correction of the following accounts on my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: BANCO POPULAR DE PUERTO RICO
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, BANCO POPULAR XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX  veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Some online company called XXXX was used with my debit card but I was not aware of the transaction and this was on XX/XX/XXXX then I filed the dispute with my bank which is Chime. but Chime denied it. they say I didn't have any proof of evidence. I told them that they even took the money while I was on the phone with them to report it. but they say that was not enough evidence. they took over {$3800.00} between XX/XX/XXXX and XX/XX/XXXX but I didn't recognize the transaction before because it was a low amount. but the rebuttal of the claim was denied. and I reached out to XXXX to see if they can help me with the claim. they provided me with more information about the claim. showing that it was not me because the person who was conducting the transaction was located in XXXX, Florida and I live in XXXX, New York. 

- On XXXX -- > {$3800.00} - On XX/XX/XXXX denied because no proof - On XX/XX/XXXX rebuttal my claim was denied again and provided me with evidence they used to make a decision - On XX/XX/XXXX provided proof from XXXX showing I didn't make the transaction, - On XX/XX/XXXX denied me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: EQUIFAX, INC.
State: KY
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 agreed to pay this debt off for a lesser amount and the company was suppose to remove this off of my report because I no longer owe nothing or any corporations this debt was prepaid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Acc. XXXX , commonwealth financial. This is the second time a dept collector came after me for this. This is not me. They asked me for my SS number I said you tell me what you have on file. Last time it dropped my credit score by 17. I got it taking off . Now a few months later this different collector started calling. And my score drop 45, from excellent to good . this is unacceptably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: EQUIFAX, INC.
State: OH
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:
To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX  AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX 1959 XXXX XXXX XXXX contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX Wheat XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
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  Please send notice of a cease and desist to all creditors until documentations are properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX consistently contacts me regarding a debt that has been settled for over 7 years. I have blocked all of the phone numbers that come thru, most recent number was XXXX. They have called me as early as XXXX XXXX and on Saturday 's and Sunday 's. At one point they were calling me 7-9 times a day. As this has been going on for the last 10 years, I have finally reached a point where it needs to stop. When I call them to tell them that it has been settled and to take me off of the list, they place me on hold and then hang up on me. I have spent too many hours on the phone trying to get this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a update on my credit report from this company call LVNV FUNDING. I was not notified of this debt from this company nor given a 30 day notice to dispute. This a violation to my credit report. The debt, that this company is collecting is debt from XXXX XXXX credit card that has already been removed from my XXXX credit report due to the company not providing proof of this debt. I request this company provide proof of debt an address that I was informed of this debt. I have no financial obligations to this debt an I will show proof that it was removed from my credit report. An this was sold to another company without knowing the implications of the debt that was already disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: Jon B. Sage, P.A. dba Sage Law Offices
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was assaulted which resulted in a medical bill of over $ XXXX. The Victims Compensation Beaureau has approved me, but the hospital won't accept it, so now they turned it over to a debt collector called Sage Law Offices. I've explained to them, and also explained that a state attorney is assisting me with the case against my attacker. " Sage Law Office '' keeps harassing me anyway, sending me a notice of Lien instead of speaking to my state attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want Wells Fargo to pay off the {$53000.00} balance from the XXXX I paid to principal. Then refund {$55000.00} I had in the escrow account at foreclosure

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 2023-09-19
Company: Upgrade, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I decided to change my address on upgrade on XX/XX/XXXX, I was told my new debit card would be sent there and had photos that were approve for verification. I ask if I needed any proof of verification for my address and they said no. I later receive a email of my debit card canceled and I call to ask whats wrong but said to ignore the email and that my card is coming. Since XX/XX/XXXX I have received emails stating my card is coming in the email and no card so I called on XXXX XXXX and I got answers that I needed more verification and I am like no one has called me or emailed me anything and how am I suppose to know. Nobody reach out and I got mad at them cause they werent helping so I talk to the head person of the whole dept and told him he needs to gets his dept in line and not lie and this is false advertising of my debit card coming and I have a pay coming in and I cant use it and I have bills due on wed and they dont care. I am really upset and refuse to send it faster for their fault. So I be contacting XXXX XXXX  XXXX  to tell them what upgrade has done and never reach out and lied about the debit card and never sent no email about them asking anything and they all can say is sorry and refuse to send it to corporate. Now, I have more emotional stress than before and I get sorry. They have no care for our situations. I love corporate to reach out cause this isnt right. Banks should be reaching out to tell you about more info to get the debit card send but rather you wait and send emails lying that your card is coming into the email. They rather me send a letter to their legal team than fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31
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: Account information incorrect

Complaint:
Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.

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 2023-09-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied a bloomingdale credit card on XX/XX/23, and got approved through contacting with agent. XXXX of the credit card features promoted online is 20 % off on the first purchase made on the same day of approval or the following day, and customer can make purchases right after approval. I made a second phone call to make the purchase, but I was told I'm not able to do so, and need to wait for 7 days. I asked to escalate to a supervisor but ended up waiting for more than XXXX hours and hung up my phone call. I feel this is a scam company that uses fake information to attract customer applying for a 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: CT
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 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

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