BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX that i dont know or gave any authorization to anyone to get my information

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 2021-01-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery appeared on my credit report XXXX. They claim that I owe them {$4700.00} even though Ive never done any business with this agency., nor have I accepted any funds from them. Ive disputed this report numerous times. On XX/XX/2023 I sent a handwritten letter to this company requesting the original copy for the debt in question. I received no response. Im not liable for this debt of Portfolio Recovery. I have NEVER entered into any contract with this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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 used my AMEX credit card at an ATM to withdraw funds, however- the ATM failed to dispense funds and my account was subsequently debited. On XX/XX/XXXX, I called the bank and filed two disputes in the amounts of {$840.00} ( XXXX ) and {$520.00} ( XXXX ). The representative assured me that I will not be responsible for paying back the funds because it is under investigation. Fast forward, I have yet to receive any credit for the two disputes I filed, and it's been 3 weeks now. Moreover, my balance on my account still reflects the two withdrawals, even though I was told by multiple representatives ( including a manager ) that I do not have to pay anything back. I don't understand why I haven't received any credits on my account after waiting this long. I've been a customer for 3 plus years, I pay my balance every month, yet I can't receive a refund for my disputes until the investigation is concluded. From my experience, banks typically provid a provisional credit ( AMEX has done so before on disputes for my account ) until the investigation is done, then they either reverse it or make it permanent. To date- I have not gotten any written correspondence from AMEX regarding the status of my dispute or a refund for either amount. Every time I call I get the same scripted response, but no real resolution. I need my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Absolutely ridiculous I filed a complaint and the chase executive office contacted me telling me my credit card would be reconsidered and they gave me a phone number to call but then I call and they said I can be approved but then I have a fraud alert and they said they have to trasnfer me to get the verification done on the app and thats it its processed and that their recommending it for approval but after I was transferred to this department and I was 3 hours on hold what a horrible experience to get this application approved this isnt fair why do I have to be on hold to speak with their verification dept why cant they call me and get this verified and my card sent they lending team told me I would be approved that this is a full al step the verification since I have a fraud alert and I did what they told me and the executive office called me advising to speak with them and it worked but the verification. Now is the problem I dont know what to do I just want my application processed and approved Ive been waiting too long and yes lending said that I qualify for the card they did the reconsideration Ans said I meet the credit criteria for the card and that the limit would be {$5000.00} but that the verification needed to be completed by that dept which they transferred me too but no one would Answer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am a XXXX XXXX XXXX senior receiving {$900.00} each month in Social Security Retirement Benefits, and I truly need your immediate HELP regarding Conduent Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 

I have suffered the loss of over {$3500.00} due to ( 58 ) unauthorized transactions on my Social Security Account ( XXXX XXXX Debit Card ) since XX/XX/2021. 
I have complained and asked for reimbursement, but Conduent Inc. refuses to obey the LAW, so please help me resolve this matter. 

The best way understand this horrible situation is by reading the attached DEMAND LETTER that I have sent to Conduent via email on 3 occasions, and they still refuse to COMPLY with New Jersey State and Federal Laws. 

Below is a short cut link of the DEMAND LETTER that can be Emailed to anyone who would like to know what is going on at Conduent Inc. regarding the XXXX XXXX DEBIT CARD SHAME. 

By My signature you are hereby authorized to investigate and take action regarding this shame. 

Sign : XXXX XXXX XXXX ( Card holder ) CLICK LINK OR COPY, CUT AND PASTE INTO YOUR BROWSER https : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Equifax breach and my subsequent verification through their site XXXX XXXX XXXXXXXX on XXXX/XXXX/XXXX, my information was part of the data stolen. I signed up to enroll for their free TrustedID service for 1 year on the same date with that site but have not yet officially activated enrollment. 

I filed for a credit freeze on XXXX/XXXX/XXXX with all three credit reporting companies. I filed for fraud alerts on my account for 90 days with XXXX on XXXX/XXXX/XXXX ( which should propagate to the other companies XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 and Trans Union credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXX XXXX XXXX XXXX that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX credit account was used to purchase merchandise in the state of CT but I live in NJ. The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX XXXX to take out a credit card but the card was declined.

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 2021-09-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I spoke to 5/3rd Bank representative and chose deferment option for my loan ( Covid 19 ). I was told that 18 months of missed payments wold be moved to deferment and I would resume payments starting XX/XX/2021. 
On XX/XX/XXXX, XXXX, I received a Deferral Agreement, wtih conflicting and confusing information, stating on page one that I must make a payment on XX/XX/XXXX, and then lower on the page that I will have 19 months of payments deferred and that I have to make a payment on XX/XX/XXXX. 
I called 5/3rd bank for clarification and was told that I am requried to make a payment by XX/XX/XXXX, but that it will not be applied to XXXX payment, it would be applied to XXXX payment, AND that she can not garantee that I dont have to then make another payment for XXXX on XX/XX/XXXX. 
Desipite of having made a different agreement wtih the Bank the day before, having 18 months deferred, it was not corrected. 
This is very concerning because my froebarance ends on XX/XX/XXXX so I want my payment to be applied in XXXX. It is also decpetive because the Bank is deferring 19 months when in reality I am only 18 months behind. It also is deceptive becuase no where in the letter is clarified what happens to the extra month payment the letter is stipulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: NV
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 filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX FI XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
A credit hard inquiry has been fraudulently placed by Bank of America on XX/XX/2023 on my current XXXX credit report. 
The credit inquiry occurred without my permission due to Identity Theft. 
When I contacted Bank of America, Bank of America stated they have no business with the inquiry showing up in my XXXX credit report and refused to provide any letter related to the removal of the inquiry. 
And there is no option for me to dispute the credit inquiry in XXXX XXXX XXXX XXXX. 
I also contacted XXXX via Phone number XXXX, XXXX XXXX, and XXXX online chat. 
But XXXX refused to delete the fraudulent credit inquiry from my credit report.

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 2021-07-13
Company: Benworth Capital Partners LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been trying to get ahold of this company for 2 months now about my ppp loan they sent that went to the wrong account and no luck i habe sent many tickets nobody reapomds the number i call stays busy i have tried womply no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit 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:
On XX/XX/XXXX, I noticed my credit card had numerous charges that were fraudulent and made without my consent. I believe my credit card information was stolen and used to make 32 fraudulent charges totaling {$1000.00}. Charges were made on my card when I was out of State, resulting in charges in two States over the same period of time. On XX/XX/XXXX, I cancelled the card and filed for fraudulent activity with TD bank. I received no response on the dispute. On XX/XX/XXXX, I called the bank back and found that my case was lost by the bank as TD transferred 3rd party vendors. Again on XX/XX/XXXX, I filed the case for the charges totaling {$1000.00}. My claim was denied by TD bank based on the basis of chip on chip and card in possession. This finding is not accurate as charges were being made on my card from one State ( New York ) while I was physically using the card in another state ( Illinois ). 

I again filed the claim with another TD bank representative in XXXX of XXXX and was told I would have to call back to receive the status updates and would receive nothing by mail. I do not believe the case was ever re-filed for review. 

I again filed the case on XX/XX/XXXX reiterating to the TD bank representative that the charges are fraudulent and I could not have made some of them as I was not physically in the state of transaction and I had my card in my possession. I believe my card information was stolen and loaded onto a fake card, but I can not get any traction with TD bank. My claim was again denied for chip on chip and card in possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az. XXXX XXXX XXXX Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional Equifax is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report.

I, XXXX XXXX XXXX Never gave Equifax any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter.

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts.

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX - {$2500.00} OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting 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 this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are XXXX XXXX XXXX  as of XXXX LVNV as of XXXX. XXXX XXXX XXXX  as of XX/XX/

Company response to consumer: Closed with explanation