BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX was reported on XX/XX/XXXX via TransUnion. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via XXXX. I was being told its bern removed, but its not. Ive sent out a letter to XXXX since XX/XX/XXXX, but nothing has changed ever since.

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 2020-05-01
Company: ONEMAIN FINANCE CORPORATION
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collector has been calling my mobile device without pause. Within 15 minutes there is already a cue of over 20 missed calls on my phone. My phone continues to ring ( adding at least two more calls to the previous number ) since I 've began typing this complaint with no indication of ceasing. The call comes from number, 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 2019-09-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX  XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.

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 2017-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
Portfolio Recovery is reporting 2 separate, closed accounts for the same original creditor, XXXX XXXX XXXX XXXX, to credit bureaus. Also, Portfolio Recovery is not honoring their written agreement to no longer report the account to credit bureaus. 

I negotiated and settled this account XXXX, 2017 with an agreement that they would no longer report the account. 

Not only are they falsely reporting duplicate XXXX XXXX XXXX XXXX accounts, but are also not honoring the agreement that we negotiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have fallen behind due to lack of work. My workplace had a tragedy and burnt down on XX/XX/2020 then this covid outbreak happened a week later. Me and my mom both lost our jobs due to the fire. And my unemployment exhauseted itself about a month or 2 ago now. Its XX/XX/XXXX so XXXX thru XXXX i couldnt find employment. Making 2 car paymemts a credit card payment and all the utilities for my house. is hard to pay for when we both lost our job and income stopped coming in.. the world stopped due to covid but somehow the bills just keep coming in when noones working its easy to get behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Concerning complaint no. XXXX : Company, Equifax, failed to answer my complaint. Their response had nothing to do with the nature of my complaint. In addition, CFPB is not even reading the Equfax complaint, or you would have rejected it. It is just a canned repy to some other subject than my complaint. 

I want the case re-opened, under the same complaint number, and tell Equifax to respond to my specific issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone calls me from chime and claims to be from fraud dept ... ..already has account info. Knows about disputes in progress and updates. Knows wording that representatives use and when and what emails and texts say. They Phish for info. This happened many times and chime refuses to look into it or inform me of what they are doing. Scam is TOO GOOD to be anything other than employee or ex employee who has had phone training and still has access to the company portal. People working are remote workers. Just seems off and someone took over {$6500.00} from my account by moving money from savings to checking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did was I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

The bureaus did absolutely nothing ... and XXXX has done nothing as well. Does the FCRA stand for anything anymore?

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 2022-08-11
Company: Ridge & Valley Realty, Inc.
State: UT
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:
Upon pulling my credit report as I, buying a home I was dismayed to find out I had a collection from credit systems inc in XXXX XXXX.it was for XXXX $ and from a tanning company XXXX XXXX XXXX. It was services in Colorado. I do not live in Colorado. I am a Utah resident and have not lived there. I do have some family there. I called them and gave them my police report number and they were very rude when I demanded they remove this collection immediately.they just put this on my report with no regard as to its validity. My police report number is XXXX for XXXX XXXXXXXX. I also filed a identity theft report with the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PREVIOUS COMPLAINT ID XXXX Its my right to tell the truth and it seem Newrez LLC has not been true to their action. i want an immediate investigation or if you can retrieve our recorded conversation. 
I already submitted my reply to the previous complaint, Just retrieved the file from your end. In my honest opinion they have run my credit without my consent- i was with my spouse during the conversation and to my recall 110 % he did not gave my SSS number to run. Its only conversation to access what could the company offer. 

Once again i repeat no consent was given to run my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.

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 2020-01-11
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I wanted the credit bureaus to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to so. I have attached the letter that I sent 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 explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/1999 with a credit limit of {$25000.00} -This is not my 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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I keep getting bombarded with numerous emails messages in my inbox from the message center and now two pieces of mail I missed XXXX payment and have retained a lawyer attorney XXXX XXXX out of XXXX XXXX  that will be filing my bankruptcy. Therefore I suggest going forward you deal with him as hes been retained and said you can write or call him going forward Thanks Cease all communication with me now Call the attorney at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXXI my American Express gift card was fraudulent used through an unauthorized XXXX account ... i called American and XXXX to dispute this matter for 3 Months straight. Finally XXXX  released the funds back to American Express but the issue Im having is that American Express will not released the funds back to my gift card because I don't have proof of Original Purchase .... As I stated to American Express Customer Service is that I was given this card as a gift and when i was given this card I Activated this card via the American Express site .... I have been in contact with them Since XX/XX/XXXX and i can't seem to get any resolution. I faxed over my Driver License and a copy of the card as instructed but they refused to release my money ... I have email proof that XXXX sent the money back to american express and accepting responsibility for this matter ... Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
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:
On XX/XX/2019, I disputed an inaccurate account on my Equifax credit report by sending Equifax in writing, proof that this account is not my account. I have called Equifax a total of three times and I have sent Equifax a total of five letters. I have never done business with the company that reported this inaccurate information. I have never had any communication, agreement, account, or contract with this company that has reported this inaccurate information. Equifax has stated that they would correct my credit file within 30 days based on the fact that I sent them proof and I am a victim of fraud with a freeze on my credit file. Equifax is in violation of the 1681n Fair Credit Reporting Act ( FCRA ). They are violating and recklessly failing to follow reasonable procedures to ensure accurate reporting. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. As a result of Equifax allowing this erroneous information to remain on my credit report without SIGNED PROOF that it should be there for over 30 days, my credit score has plummeted HUNDREDS of points. The following information therefore needs to be deleted immediately. I have sent Equifax my final standing satisfaction for my property and have requested an immediate and expedited deletion of the entire XXXX XXXX XXXX XXXX account from credit report. Anything provided by XXXX XXXX XXXX XXXX is fraudulent and without standing. 

Please note : that XXXX and XXXX  both were given the same letter and proof and delinquently removed this account from my report within 3 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had reestablish a realtionship with Bank of America I had two checking and a saving I always made sure my accounts were balance of started working for realtor name XXXX XXXX as a transaction coordinator and the clients would pay through XXXX because I did not want to give out my account information. all transactions were put on hold for two weeks or more to make sure they cleared beg anything I did not do anything wrong the funds were released to me shortly after funds were released my account was closed telling me it was internal decision it was wrong I called they could not tel me  what i did wrong i waited for a letter no letter explaining all I was told that the bank can close my account if they want too but I did nothing wrong the fraud department held every deposit for two weeks or more investigated and release them to me I did nothing wrong and my account is closed totally un fair no justice

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 2020-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Chase is in violation of Public Law 111-24 : it refuses to deliver my credit card statement at all, let alone on a timely basis. 
This is a follow up to my CFPB complaint submitted XX/XX/XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem when making payments. 
The issue has not been resolved. Company says it is " still working on it as of XX/XX/XXXX '' but the solution is simple : TAKE DOWN THE FIREWALL THAT PREVENTS ME FROM SEEING MY STATEMENTS ... i.e.  Chase is requiring that I provide additional " payment '' ( which has monetary value to them XXXX in order to sign in to my online-only access account. They want me to sign over the rights to paper statements on my other Chase accounts. 

I still can not see, now, 2 months of my transactions, and I am unable to ascertain if any fraudulent payments have been made by Chase to vendors. 

Chase is in violation of Public Law 111-24 is the Credit Card Accountability Responsibility and Disclosure Act of 2009. This law requires that " statements must be mailed or delivered to the consumer at least 21 days before the due date. '' CHASE REFUSES to give me my credit card statement or bill, which also limits my ability to exercise other rights under this law.

Company response to consumer: Closed with explanation