BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
I called XXXX/Experian/XXXX  after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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:
FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will  often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX' ) has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX ( " XXXX '' ), now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX   XXXX  is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.

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 2020-02-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had a closed account with XXXX XXXX XXXX because they would not let me make payments on the account and had completely locked me out of my account and would not tell me how much I owed, but they continued to give me credit line increases while I was locked out, then Midland credit management bought the closed account and they keep calling me from a spoof number threatening to take me to court and damage my credit score.they are harassing me and it is affecting my home and work life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023 I was served papers from XXXXXXXX XXXX XXXX XXXX regarding a lawsuit in the county I live in. I contacted them and began making payments and have continued to make payments. I have requested multiple times information about the lawsuit and received nothing. In XXXX i received a letter from a Resurgent Capital Services about the account I am being sued for and I have reached out to them multiple times for information but have gotten nothing since XXXX of this year. I have continued to send payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX but not received anything from them either and I have tried multiple times to contact their office via phone but no one ever answers even if I try different options on their phone system that doesn't pertain to me. 

My questions are : Am I still getting sued? Am I sending payments to someone falsely representing my debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Myself and my neighbors are constantly harassed by Macy 's debt collectors a few times a week. He is banging on my door like a crazy person. He has banged on my door awaking everybody at XXXX on a Saturday. I initially told him that he had the wrong person and closed the door, but he continue to harassed me as well as my neighbors. He is entering the property illegally by tailgating other tenants on to private property. The complex has posted sign prohibiting this type entry into this complex. He has also impersonated to be someone else to gain entry.

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 2017-10-01
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted them several times for validation of debt and received no response. Also notified the XXXX credit bureaus of the inaccuracy. In addition to that information i also found the following link in reference to this company .... 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, 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:
FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsFirst American Real Estate Solutions, LLC ( " FARES '' ) has agreed to settle Federal Trade Commission charges that First American CREDCO ( " CREDCO '' ), now a division of FARES, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by CREDCO. FARES is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California. 
FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
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:
1. I provided the credit card company FIRST XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company FIRST XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on 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 non-monetary relief
Consumer complaint received 2020-02-29
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On Friday, XX/XX/2016, my account was due for the XX/XX/2016, mortgage payment. I telephoned Mr. Cooper on Friday XX/XX/XXXX, trying to make a mortgage payment however I was unsuccessful in reaching anyone that day, for reasons I can not recall. 

I contacted Mr. Cooper on Monday XX/XX/2016 because their institution was closed Saturday, Sunday and Monday due to the holiday. On XX/XX/XXXX, I spoke with a team member to attempt to make my payment and the team member advised me that they were unable to accept my XX/XX/2016 payment because I did not make my payment on the XX/XX/XXXX and due to the terms of my agreement ( completed loan modification ) my account did not have an allowable grace period. The team member further explained that the only way they would accept the XX/XX/XXXXpayment is if I advanced the XX/XX/2016, payment as well. This would mean, I would need to make both the current month due and a future payment as well. 

At that time, I did not have the additional reserved funds to make both the current XX/XX/2016 and a future XX/XX/2016, mortgage payment together. I was advised to reach out to friends/family or take out a personal loan in order to make the XX/XX/2016 and XX/XX/2016, payments. 

I attempted to apply for a loan modification after I made numerous attempts to make my mortgage payment, but I was denied the ability to do so because I was required to make XX/XX/XXXX and additional payments at once when I didnt have the resources to do so at that time. My account was then referred to foreclosure and after speaking with the VA, the VA advised me to try to apply for payment assistance options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I received a reciept from someone who has account with wells fargo to transfer fund of XXXX and he gave me reference id XXXX and asked me to pay XXXX rupees XXXX on XXXX XX/XX/XXXX as International transfer tax charge. So I paid XXXX on XX/XX/XXXX to an XXXX account. 
Again on same day I received another email to pay XXXX as currency conversion charges. So on same day I transferred XXXX to same XXXX account. 
Later on Received another mail to pay XXXX as sn activation charges and gave me time for 48 hours. which I was unable to. 
After so many hassle after two weeks I was able to arrange the money. 
On XX/XX/2020 I again transfered the amount XXXX to an XXXX account but this time it was different account.. On XX/XX/XXXX again I was asked to pay XXXX as late fee. so on same day I tranfered the amount. 
After that on XX/XX/2020 i was again asked to pay XXXX to release the payment as currency conversion charges. After fee hours I am.again asked to.pay XXXX to release the fund. which I refused to pay they said if i make this payment momey would be credited within 2 hours. But after making payment I am askes to.pay more. So on XX/XX/XXXX i paid XXXX and they confirmed me i would get the money refunded within an hour. now again they are asking me to pay XXXX I asked who are this XXXX people they said XXXX income tax department. 
Every now and then I am being asked to pay. 
After my last payment there is no reply from wells fargo. 
I have attached few documents I will send once it would be asked

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 2020-02-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have went to the police and gotten a police report, sent it over to Chrysler Capital urging them to discontinue reporting a fraudulent car loan that apparently was taken out on XX/XX/2014. My name was used along with my other personal identifying information. I have submitted a fraud packet to Chrysler Capital as they requested I do and it didnt change a thing. I have contacted XXXX  over and over again and they dont seem to care about it. This has been getting reported on my credentials with XXXX  as delinquent and derogatory. XXXX  and XXXX  had not problem removing it but XXXX  has been playing hard ball. Because of this fraudulent account being on my credentials I have since been denied for credit cards, personal loans, jobs, apartments, etc. I have a stack of about 15 denials I have had over the years because of this false information. Going back and forth with these companies for the last 6 years has caused me a great deal of stress and anguish. I pay my debts, I have since had a auto loan with XXXX XXXX of which has been completely paid off and have a current one with XXXX XXXX XXXX, which I have been on time with all my payments since the beginning. It doesnt make sense to not pay a loan that was never mine. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section state no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cause to believe that the information is Inaccurate.

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 2022-09-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2022 I logged into my chase mobile banking app and found three occasions of fraudulent activity. The first two transactions were made on XXXX XX/XX/2022 at XXXX and the third unauthorized transaction was placed on XXXX XX/XX/2022 at XXXX. The first transaction was for {$1000.00}, the second transaction placed at the same time was also for {$1000.00}, and the third transaction was placed was for {$1500.00}. Each transaction was made through a banking feature called XXXX. I called Chase and was transferred to a dept that handles XXXX fraud charges and was asked a series of questions. Afterwards the rep agreed the activity appeared fraudulent. I was then transferred to a different dept to change my login info. 

On Monday XX/XX/2022, three reversal payments were deposited back into my checking account ; one deposit for {$1000.00}, a second for {$1000.00}, and a third deposit for {$1500.00}. This morning XXXX  XX/XX/2022 I received a notification that my account was overdrawn by {$3400.00}. I drove to the Chase bank near me to resolve the issue. I spoke with an employee who called customer service and it was explained to him that the case was closed due to an IP address that was linked to my phone and the alleged use of facial recognition warranted a reversal of fraud coverage. The case was determined to not be fraudulent by Chase. I was told to go to an XXXX store or the XXXX squad at a XXXX XXXX to determine if my phone was hacked. After speaking with a geek squad employee, he informed me that they will not be able to determine if the phone was hacked. 

It is my understanding that Chase ( A ) did not protect me from 3 fraudulent activities, ( B ) failed to notify me of the three large consecutive fraudulent transactions, ( C ) have withdrawn needed funds without notice, ( D ) attempted to charge me overdraft fees, ( E ) asserted that facial recognition is a legal means to positively identify an individual, ( F ) have failed to adhere to regulation E which is designed to protect consumers from such events. 

Chase is now demanding I repay them {$3400.00}. I have already lost {$3500.00}, and for a financial institution to penalize a victim of fraud another large amount, this could result in a sum total loss of close to {$7000.00}. As a part time worker and part time student, funds are extremely limited and I can not afford to be taken advantage of by scammers and banks. 

I was not provided with a claim number or anything in writing or email to show an investigation was performed. Attached are screen shots of the original fraudulent transactions ( pics 1 and 2 ), the deposits ( pic 3 ), and the withdrawn funds by Chase ( pic 4 ). Please get in contact with me as soon as possible. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED

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 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Bank of america let the XXXX XXXX XXXX XXXX over draw my account when the casino hotel didn't even have a hold on the funds I did not approve the transaction the hotel clams I ruined a couch and carpet but i didn't my jaded ex worked there but the point is i called bank of America 's XXXX number daily and was finally told rudely I shouldn't have messed up the room which is irrelevant because they didn't put a hold my card when I checked into the hotel and I overdrafted my prepaid Bank of America unemployment card {$1300.00} and wasn't able to get my unemployment check for over 2 months paying that money back

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 2020-02-29
Company: EQUIFAX, 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 RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
FTC violations sent police reports with other disputes

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