BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My Bluebird by American Express account was suspended for reasons unknown to me on Friday, XX/XX/2019. I received an email to contact XXXX XXXX XXXX. Upon contacting XXXX XXXX XXXX shortly after I received the email, I was told My account was permanently suspended and given no options to collect my remaining balance of {$490.00} and was told my account could not be recovered. I contacted XXXX XXXX XXXX again on Monday and was told to provide my mailing address so a check with the remaining balance on my card could be mailed to me since my account was permanently suspended and could not be unlocked. I provided my mailing address and was told a check would be in the mail and that I would receive it in 7-10 business days. I have not yet received any of my remaining balance so once again I contacted XXXX XXXX XXXX because I received another email that showed my remaining balance was still on the account. On XX/XX/2019, I spoke to a woman who told me that they could not send a check despite what I have been told and was told to contact Bluebird Customer Care via mail and gave me a mailing address as they do not have a phone number. I now have to wait for my letter to be received by Bluebird Customer Care and then wait an additional 10-15 business days for a response. I only wish to get my remaining balance Off of the account as I no longer want to do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
USAA SAVING BANK IS REFUSING TO RETURN TO ME THE INTEREST THAT WAS EARNED. 

THE CD IS TIED TO MY CREDIT CARD ACCOUNT TO SECURE A CREDIT CARD. 

THE {$1000.00} IS USED TO SECURE A {$1000.00} CREDIT CARD LIMIT. 
UNDER THE SECURED CREDIT CARD ENDING # XXXX. 

I RECEIVED NOTICE ON XX/XX/XXXX, THAT MY CD MATURES ON THE DATE XX/XX/XXXX AND THE NEW MATURITY DATE TO BE ON XX/XX/XXXX. 

ON XX/XX/XXXX I SUBMITTED A LETTER TO USAA SAVING BANK TO DEPOSIT MY EARNED INTEREST TO MY CHECKING ACCOUNT AND ALL FUTURE INTEREST TO BE DEPOSITED THE SAME WAY. 

ON XX/XX/XXXX USAA SAVING BANK ROLLED OVER THE CD BUT REFUSED AND ILLEGALLY DEPOSITED THE INTEREST EARNED TO THE CD ROLLOVER. 

THE ONLY GUARANTEE IS THAT I AM REQUIRED IS TO HOLD A CD IN THE AMOUNT OF {$1000.00} TO SECURE THE CREDIT LIMIT OF {$1000.00} FOR WHICH I MET. 

THE ILLEGAL ACTION BY USAA SAVING BANK WAS TO HOLD THE INTEREST EARNED. 


I DEMAND THE RETURN OF MY INTEREST EARNED ON MY CD AS REQUIRED TO MY CHECKING ACCOUNT. 

MY SECURED CD BALANCE IS {$1000.00}. 

MY SECURED CREDIT LIMIT IS {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

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 2019-09-20
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Despite two written requests from PORTFOLIO RECOVERY, AND THE INCONSISTENCY of the unverified item listed below still remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ).

I am asking PORTFOLIO RECOVERY to Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MD
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:
My complaint are more so directed at XXXX for reporting information that does dot belong to me. I have recently sent my FTC Identity Theft Report along with Affidavit directly to credit bureau 's regarding my credit reports. I will upload information pertaining to my complaint prior to submission.

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 2022-10-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 someone reported to TransUnion a " collections '' account that I have no knowledge of. It is a collections agency called " XXXX  '' claiming I owe them money from their client " XXXX XXXX  ''. I know nothing of either. I have not been in a hospital in 40 years. 

On XX/XX/22 I filed a Dispute with TransUnion online. On XX/XX/22 their results of their investigation was " Verified ''. That is all of the information that I was given. 

On XX/XX/22 via an online chat from my account at TransUnion ( transcript available ) I asked the agent for clarity and the proof they have that the claim is valid or " Verified ''. TransUnion simply refused to provide me any further information. They said that I need to call this claimant directly. I am being asked to call directly the crooks that are trying to rob me and am being refused my own information. 

So my complaint is with this credit reporting agency themselves that is allowing someone to adversely effect me, and at the very least taking their word for gospel and at most simply refusing to provide to me any sort of proof or documentation that one would think they would have on file in order to validate the claim against me. They have the information, I can only assume, that shows validation and they are refusing to provide me, the consumer, that information. 

Again, I should not be forced to call the crooks that are attempting to rob me. If all is valid, I merely seek the proof from the reporting corporatation ( TransUnion in this case ). If there is no supporting proof, then the claim needs to be removed from my credit report with them.

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 2019-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE ON MY REPORT THAT WERE PUT THERE ILLEGALLY, AND THEY WERE UNAUTHORIZED : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LOANS ALSO XXXX XXXX XXXX SHOWING UP TWICE ON THE CREDIT REPORT, WHEN THIS ITEM WAS REPORTED AS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: VA
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 some of the information on my credit report was incorrect when I reviewed it. 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 information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}

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 2019-09-20
Company: Credit Plus Inc
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. CREDIT PLUS XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: IL
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 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00}

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Validate it or prove it. The XXXX court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the XXXX court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these XXXX aren't reporting in their system.

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 2021-02-18
Company: CURO Intermediate Holdings
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:
On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark with the amount of XXXX USD on my credit report XXXX, and XXXX ( Can be seen from XXXX XXXX as well ). Not to mention that Ad Astra Recovery Service could not validate their information with XXXX. Upon, further research, this account was transferred/sold from Speedy Cash to Ad Astra Recovery Services and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, Ad Astra Recovery Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Ocwen Financial Corporation
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:
My mortgage account is not reflecting correctly on my credit reports, XXXX is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have spent two days trying to correspond with Trans Union regarding my credit report. I have used their inoperable website several times and called twice and left on hold for 30 minutes on each time. Information on my report is inaccurate for several different reasons ; They are as follows ; XX/XX/XXXX TransUnion Consumer Relations XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX XXXX : File Number : XXXX / Dispute & Clarification Information To Whom It May Concern, TransUnion Consumer Relations ; Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception.

Incorrect Adverse Account Information ; 1. XXXX XXXX XXXX XXXX  # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
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 2021-04-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/21 four, unauthorized wire transfers were sent from my account by someone each for {$1000.00} totaling {$4000.00}. Changes were made to my account settings. None of this activity was flagged nor was I notified by Chase even though I have never used a wire transfer. The money was removed and chase only shut down access after a fifth transfer was attempted for {$500.00}.

I have contacted the bank four times and they have not refunded my account. They have not contacted me at all with any status.

The total amount owed me is {$4100.00}.

Chase was not able to identify or protect my account from this blatant fraud. Chase allowed my contact I formation to be changed without notifying me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My current house was financed through XXXX XXXX, and I have been with them for almost two years. I was always on time with my mortgage and never missed a payment. I put my mortgage on auto-pay, and the money comes out of my account every 1st of the month. However, the company XXXX XXXX XXXX XXXX transferred my loan to a new company called Carrington mortgage services , LLC . I went on leave out of the country from the end of XXXX to XX/XX/2023 ( I have my military leave form to prove it ). I was away for almost two months. I came back on XX/XX/XXXX. So today, on XX/XX/XXXX, I was expecting the mortgage to be taken out of my account, which did not happen. So I started going through my transaction history when I noticed that XXXX, XXXX, and XXXX payments were not made, so I immediately called the XXXX XXXX mortgage, who transferred me to the Carrington mortgage services , LLC . They said they have been trying to reach me through the phone, but there has been no response. So they went ahead and submitted a bad credit report that will affect my credit score in the future. The fact of the matter is that I never received any calls from them, and when I found that there was an issue Immediately called to solve the issue. I tried to avoid missing payments, so I set an auto pay. I want this negative credit report removed from my credit because I did not intentionally miss my payment ; I thought the payment was still going through until I found out today that it was not. I immediately called to fix the situation. There was a communication problem during the transfer between the two mortgage companies, and it would be unfortunate for me to be penalized for something I did everything to prevent. I appreciate your consideration

Company response to consumer: Closed with explanation