BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery A {$1000.00} Portfolio Recovery A {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have no idea what the problem is with this company. They want me to verify my address and or social security number. Sorry, no can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: OPTUM BANK, INC.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently started a new job and as part of that I had a XXXX XXXX XXXX with my previous employer and a new XXXX XXXX XXXX with my new employer. I've been trying unsuccessfully since XXXX to transfer my old XXXX to my new XXXX. Both XXXX are part of Optum which apparently operates separately with Optum Financial and Optum Bank. XXXX of my XXXX is with Optum Bank and one is with Optum Financial. I talked to representatives at both parts of Optum and was instructed to download a transfer form to send in. The first time I followed the instructions and they responded and said it wasn't valid. Then I talked to them and asked them to walk me through exactly what they needed. The representative directed me to the location on their website to download the form and walked me through the fields to fill out as well as where to upload it. I did it just like they asked. Now they have done the opposite of what I needed and closed my new XXXX, transferring the funds to my old employers XXXX. In calling them today rather than help me solve it, the representative just kept telling me it was my fault because I filled out the wrong form. They are literally the same company, how can this be so difficult? I asked to have the call connected to a manager to which I was told he could handle it. Had to push to get a manager on the line to which I've now been on an excessive hold and I have very little faith they are going to help me get this resolved. They have also been charging me account maintenance fees on my old XXXX monthly because my old employer is no longer paying the fee and they charged me a transfer fee from my new XXXX. This is exceedingly frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Child Support Recovery Services, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a home equity loan. The lender sent 2 letters one for myself, and one for my husband. My notice states under my score factors : 1. Number of accounts with deliquency 2. Too few accounts currently paid as agreed 3. Proportion of loan balances to loan amounts is too high 4. Length of time accounts have been established I dispute all of these statements. I have no delinquent accounts. My accounts are all paid as agreed. The only loan I have is my mortgage, myself and my husband are on this, the original amount was approx. 280,000. The balance is XXXX. Never a late payment. None. I actually send extra towards the principal every month. My current home value is {$400000.00}. +. The length of time accounts have been established. What does that even mean. I have credit cards that are XXXX XXXX XXXX, no balance. no late payments. I have a credit card that is about XXXX XXXX XXXX. No balance, no late payments. 
Have I had these accounts too long, or not long enough. Ridiculous erroneous information. 
I was on a chat with trans union consumer US, that was abruptly discontinued with no resolution. Just repetitive questions that got me nowhere then hung up. 
So here I am, trying to get these negative, inaccurate items cleared up. 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX for XXXX XXXX XXXX XXXX from XXXX XXXX I paid {$1100.00} for the XXXX using my Bank of America Visa Card. 
I received the XXXX on XX/XX/22. 
The XXXX listing stated that the seller accepted returns provided that the buyer paid for the return shipping. 
For reasons unknown to me, XXXX did not record the transaction in my XXXX purchase history. XXXX requires that the buyer select the item he wishes to return from the buyer 's purchase history. As a result, when I repeatedly attempted to initiate XXXX 's return procedure, I was unable to do so. XXXX replied to each of my attempts stating " We couldn't process your request because of a technical issue. Please try again. '' The seller originally listed the item as " Returns Accepted. '' Later, XXXX advised me that the seller was offering me a " partial refund of {$100.00}. '' After the transaction was concluded, the seller unilaterally changed the terms of the sale contract. 
I was unable to return the merchandise for the reasons stated above.

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 2017-06-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This year, Equifax has placed Multiple Fraud and Extended Fraud Alerts on my Credit File. However, I have never verbally or in writing requested for Equifax to add any type of fraud alerts to my credit file. They then send a request to  XXXX  and    XXXX    to add Extended Fraud Alerts to my credit file.
When this issue first started, I was n't sure why the alerts were added and I requested them to be removed via a Phone call to the bureaus directly. I even submitted a copy of my driver 's license in which Equifax has confirmed that they received along with a handwritten note requesting that they do not add any other fraud alerts to my credit file without a written request from me.
<P/>
I have never provided any written request to Equifax or any credit bureau requesting a fraud alert to be added to my file.
I have never verbally requested or authorized Equifax to add a fraud alert to my credit file.
<P/>
I have had to have this discussion with them 3+ times and each time I can only speak with the Consumer Affairs department in which I feel they placed my file   there because of my complaints about their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Celsius US Holding LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had stored cryptocurrency with Celsius Network. They are currently going through bankruptcy court and the findings ( XXXX XXXX XXXX  ) show a clear pattern of fraud and Ponzi / pyramid scheme actions. 
My issue is that I was supposed to have a custody account, where the assets were held like at a custodian, in my name or the name of my business. They were not held that way and were instead part of the general bucket of asset which got traded away. There is potential with the bankruptcy court of custody accounts getting some money back, but their support won't answer emails or calls to correct my account. It was marked as custody when signed up, and I had asked to move it to custody before they froze withdrawals and before they filed for bankruptcy. I just need my account properly set as a custody version.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I found out that both of my Chase credit cards XXXX XXXX and XXXX ) were used by others for fraudulent activities. I immediately reported the case to Chase Fraud Department, and they told me that they would handle all necessary steps to help me to retrieve my money. At first, they indeed helped me to revert those charges. A weird thing happened on XX/XX/XXXX. Several of those charges were brought back and rebilled to my credit card account without notifying me at all. The thing is I was not in the states since XX/XX/2020. And all those XXXX pickup orders and XXXX shipping orders can not be completed by me. They did not even check all those tracking numbers carefully because they claimed the shipping address is my billing address. However, if they do a thorough analysis, they should know that all those addresses were changed by the hacker and I did not receive any of them. The only one that ships to my actual address was returned to the shipper as well, which is XXXX. I attached all those info as attachments below. The most annoying thing is that I lived in California, and several of the XXXX charges they brought back to my account is associated with Georgia and Las Vegas area. How am I supposed to pick up things in those distant regions? Not to mention that I was in XXXX!!! And now, they can only tell me that they will resubmit a review for those charges, and they can not even guarantee that I can get my money back. They also told me that the new review process will be done within 7 days. However, I heard nothing back from Chase. No phone calls, no mail or email notifications on the matter at all. I am so disappointed in how Chase handles this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: 21ST MORTGAGE CORP.
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:
The mortgage account with 21st Mortgage was PAID IN FULL on XX/XX/2022. XXXX and/or 21st Mortgage continue to report FRAUDULENT information. 21st Mortgage continues to report an open account with a $ XXXX balance and 90 days late. XXXX REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT XXXX and 21ST MORTGAGE do the same!!! XXXX is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from 21st Mortgage has previously been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: WELLS FARGO & COMPANY
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
I was notified of fraudulent charges on my account. After closing and opening a new card it became evident that Wells Fargo authorized someone unknown to me to add themselves to my card. I have spent many hours in local branches verifying my identity as well as many hours on the phone. I was given my final account balance at which time I paid it with a cashiers check and was told my account was closed. All online access and statements were terminated. A new balance of {$1500.00} has materialized and I am being asked to pay it. It appears as if my cashiers check was applied to the fraudulent charges, and legitimate charges I was told I paid off were transferred to the fraudulent credit card, which they are now trying to get payment for a second time. My claim was denied due to the fact that payment came from a legitimate bank account ( I can't control where they apply a cashiers check ). I have been given two names of WF employees in the executive offices who will not return my voicemail messages. I have been asking for an accounting of payments and charges between all accounts real and fraudulent and have been denied this information. Nor can WF branch employees gain access to these amounts. In short, I've paid my balance, they applied my payments to fraudulent charges and refuse to close my account as promised. A police report was filed at the time the unauthorized person was added to my account against the advice of WF employees.

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 2021-04-08
Company: Santander Consumer USA Holdings 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 account is no longer mine.. Please provide me the information needed and investigate all the history reported on this account It is absolutely inaccurate. You do not have any information to verify means this is unverifiable, and FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I open this account with XXXX XXXX in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with XXXX XXXX and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation

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 2022-08-16
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 2018-05-31
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/2018 I MADE A PAYMENT TO XXXX XXXX XXXX FOR {$430.00}. THE CONSUMER WAS SETTLED IN FULL AND IN RETURN WAS SUPPOSE TO BE REMOVED OFF MY CREDIT REPORT WITHIN 45 DAYS. IT HAS NOW BEEN ABOUT 2 MONTHS AND INSTEAD THEY JUST UPDATED MY REPORT SHOWING THAT THE ACCOUNT IS NOW CLOSED. I HAVE TRIED TWICE DISPUTING IT WITH THE CREDIT BUREAUS BUT NOTHING HAS CHANGED. THE ACCOUNT IS STILL ON MY CREDIT REPORT SHOWING CLOSED. I TRIED CONTACTING THE COMPANY AND BEEN GETTING NOTHING BUT LIES. THEY TOOK MY PAYMENT KNOWING THEY WERE NOT GOING TO REMOVE THE ACCOUNT OFF MY CREDIT REPORT. THIS HAS NOW BECOME OVERLY FRUSTRATING, WHICH I AM TRYING TO REBUILD MY CREDIT TO PURCHASE A HOME.

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 2022-08-16
Company: EQUIFAX, INC.
State: PA
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 unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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Company response to consumer: Closed with explanation