BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX no legally use my business card, don't provide services charge me XXXX $ .Chase bank sale my card information .I call Chase dispatcher said call business hours when I work, together to crime .Is not First time .XXXX  me and family

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I recently applied for a credit card and notice that my Capital One Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my Capital One Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: CITIBANK, N.A.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My Aunt went to XXXX XXXX XXXX firm and had an XXXX XXXX matters book formed in the event she became cognitively incapacitated. Well that is exactly what happened. I obtain ed a Lawyer : XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX. I had XXXX send all the paperwork again with my POA financial for her and She put me in her Estate Matters as her Living Trust for all her Financial matters as well. Citi bank still refuses to release her money to me and wants me to go to XXXX to sign a paper for them to release her money to me. I live in XXXX, MN. and have no one left in XXXX, Il. The paperwork is all in order and I want to send the money from Citi Bank to a shared XXXX Bank account of me and my aunt so I can keep paying her rent in the assisted living facility where she lives here in Minnesota. They even refuse to fax paperwork to my lawyer for me to sign and send back. What am I to do. I can not go to XXXX to sign a paper, besides my Aunt had her Estate Matters paperwork filled out by Lawyer XXXX XXXX in XXXX and it cost my Aunt {$800.00} to have that made up?

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 2018-07-13
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I scheduled my payment in XX/XX/XXXX for my XX/XX/XXXX payment - I made sure to transfer the funds to my bank account on XX/XX/XXXX to ensure they were available for the scheduled payment ( I can show proof ) I thought all was fine. Today I log into my bank account and show funds are still there I log into my PayPal account and see the payment was not process and because of that was accessed over {$200.00} in interest fees - I called and complain spoke with Manager XXXX XXXX she basically brushed it off and said doesnt show scehduled payment and will not reverse the interest- I advised her I would be filing this complaint as I did what I was required to ensure no interest was charged - she understood and still would not reverse wrongfully charge interest.

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 2018-07-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user. I have been in contact with the Executive Office since XX/XX/2018. The account is not appearing on XXXX, XXXX, and 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 2021-02-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Whenever I make a WIRE transfer to my Fifth Third Account they take XXXX from the incoming WIRE, however the past 4 times the bank employees got really LAZY in their handling of my WIRE fees. THEY BEGAN to not take it out of SOME and others they WOULD take the XXXX out of the incoming WIRE. I started to write down whenever they would NOT take out the XXXX WIRE fee and when they did because this is a bank where, the very second they begin making small errors, they tell themselves that the customer is not watching, and XXXX XXXX  was yesterday so they assume that customers are not paying attention. I did not do a wire yesterday, so for them to steal XXXX from me is fraud and banking discrimination, they assumed that me, as a XXXX veteran, is too tired to pay attention, The took XXXX $ from my last WIRE transaction, and wired 24 hours then put a negative XXXX balance on my account trying to keep a banking error pattern that was inconsistent with their fraud. Please tell them to stop making errors, I was watching, and I want my XXXX back. I was not partying for the XXXX, instead I was watching my bank steal from me. Fifth Third Bank is a very dishonest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have been trying to reach out to all three bureaus since XXXX if last year involving inaccurate items on my credit report. My scores are in the XXXX and its making things very hard on me and my family to accomplish our goals. My credit report is reporting collections accounts that should not be on there, late payments that never happened and more negative items. I am very displeased with the lack of response from the bureaus. I initially wrote them 52 days ago back in XX/XX/XXXX of 2020. I wrote them again on XX/XX/XXXX of this year. Please do something about this! It has been over 50 days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Debt Recovery Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOMETIME AROUND XXXX OF 2012 AN ACCOUNT WAS OPENED AT SYNCB/XXXX XXXX. I DONT KNOW AN AMOUNT BECAUSE I WAS A VICTIM OF IDENTITY THEFT.

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 2020-01-28
Company: National Credit Adjusters, LLC
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:
Submitted letter of dispute to National Credit Adjusters disputing ownership and accuracy of a derogatory collection account listed on my credit report that I have no knowledge of. I have received the response that they are unable to validate the debt currently and a subsequent investigation will be open ended with no definitive deadline for validation. As they are unable to validate and prove ownership of this debt I request that this information be deleted from my credit reports as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I finally received a copy of my TransUnion report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically TransUnion has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

Trans Union then would not allow me to dispute this and other inaccurate information contained in my credit report. TransUnion said I had to provide proper identification. 

To obtain said report I sent TransUnion a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

TransUnion refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against TransUnion and XXXX XXXX who reported this name in error in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX 's sent TransUnion several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both Trans Union and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against 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 2020-05-12
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a victim of identity theft and this has a balance of XXXX that Im not responsible for. A civil suit will be filed if items arent removed quickly. Im

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/21 i sent a letter to trans union, XXXX and XXXX about having the wrong names and addresses on my credit report. they still didn't remove anything. i sent in my driver license and proof of address.

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 2018-04-02
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt. 

Early in XX/XX/XXXX I received a letter from XXXX  attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.

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 2020-06-06
Company: QuadPay
State: GA
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:
In XXXX, I lost my wallet and someone used my card to buy something using a company called QuadPay. I received an email from QuadPay saying my payment was coming up. I responded to the email explaining Id lost my card and did not make this purchase, but never received a response. The numbers and emails under the QuadPay customer page are automated, do not work, and there is no number to call to speak with an actual human being. QuadPay is still sending me emails about a purchase I never made. No one from this company has reached back out to me or returned my calls nor emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08
Company: Harris & Harris, Ltd.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : XXXX Bill # XXXX I have submitted a certified letter and other letters to Harris & Harris over the last 4-6 months asking them for validation of this debt. I asked them to please provide the name, address, and telephone number of every person who personally verified this alleged account, so that I can inquire about how they verified it without providing any proof, bearing my signature. This creditor failed to provide any documentation. The only information they sent was to my XXXX  credit report with my name, their information, the account number and the amount owed. 

Moreover, this fraud utility account is reporting inaccurate information on my XXXX  credit report. This false debt is hurting me and my family in this pandemic. Because Im trying to refinance my mortgage and they the mortgage company wants to know what is this collection on my credit report. I want someone to send me the contract i signed with you consenting to doing business with you? If there is No contract how can I have a debt with you.Delete this off my report within 30 days per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was doing a little bit of research on my credit report and I noticed a reported agency call Medical Data Systems on my credit report, I have never did any type of business with any hospital or ever went to a hospital and if I did go to a medical business it would be my doctor which I have medical insurance to cover me so I know I would not be charged. I have never been to XXXX XXXX Medical Center in Florida I need this to be taken off my credit immediately this is not fair I have consumer rights and it 's being violated. I have tried to fix this problem with the credit bureau by disputing this account several times and tried contacting the Creditor and the hospital as well they told me that I have the right to dispute it I also filed a report and was issued a case number by the police department case number is XXXX XXXX County. My identification and Social Security was stolen a few years ago and I am a victim of identity theft and I need this to be taken off my credit report immediately on my XXXX and other. I have never done any type of surgery I do n't have any type of medical injuries or anything under the FRA I have rights. If this is not off my credit I will file charges with the district attorney office for Medical Data Systems. I have tried to fix this problem several times and they are violating my rights please have them remove this immediately off my credit report by deleting it permanently thank you and XXXX bless.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Trans Union never properly investigated the issue of reporting inaccurate information about me on my consumer report and for that reason Ive been experiencing hardships on progressing in life due to the account from XXXX XXXX that was never validated nor properly investigated has impeded me in accomplishing goals

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 2020-05-13
Company: MCU Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was first contacted about this alleged debt via a voicemail from phone number XXXX on XX/XX/2020 at XXXX XXXX. The caller, who identified herself as " XXXX XXXX '' of " XXXX XXXX XXXX XXXX, '' claimed that there was a case against me submitted to her. She used this particular language to scare me, as " XXXX XXXX XXXX XXXX '' is actually called MCU Holdings. I called the number back immediately, identifying myself and telling her not to ever contact me via phone again or attempt  to collect any debt, as she was attempting to represent herself as being a legal agent, which is a violation of my FDCPA rights. Despite this being recorded on both of our ends, she instantly called me back, another violation as such rights. It is important to note that this was the first time ever being contacted about this alleged debt, and no one had ever sent me any sort of written communication telling me what is owed, who the creditor is, or even that I have the right to have the debt validated. 

Also, this is shady as well, but they attempted to identify themselves as " XXXX XXXX '' and " XXXX XXXX XXXX XXXX, '' and I only learned their real organizational name by calling after hours to get their voicemail since I couldn't find any information online about either of those entities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Or the last two months I have been harassed by the mortgage company to make payments I have already made. And I have giving them proof by proviso the pictures of the front and back of the check they have cashed or deposited. These copies were provided to me by my bank. And they continue to Harris me daily. Monthly. To make a payment. Several times a week. Monthly Im calling and trying to fix the problem. I provide proof and they continue to harass me. 
This is a va loan. They know if they show proof that Im not making my payments then they can still get their money. Kick me out of my house and resell my house. Im done being harassed to make a payment that I can prove. Have proved. That Ive made

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to Transunion, XXXX XXXX XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called TransUnion and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with XXXX at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.

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 2019-06-05
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation