BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-01
Company: CEX.IO CORP.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/, I fell victim to multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CEX.io account to fraudulent investment firm ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. 

XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXXXXXX XXXX XXXXXXXX {$13000.00} XXXX XXXX XXXX XXXX {$9900.00} XXXXXXXX XXXX XXXX- {$29000.00} XXXXXXXX XXXX XXXX- {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. Please help me! Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Company put these inquiries on my credit without my consent. I have no business with these companies at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-26
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a victin of identiry theft were my XXXX Account was used to order multiple devices and new numbers. Despite my efforts to work it out with the company, we were unable to come to an agreement. I had 4 phones but only was paying for 2 because of a buy one get onefree promotion. I also had an unlimited data plan. Regardless of my 19 year history, XXXX hanged my plan without .y permission, denied doing it and charged me XXXX XXXX XXXX $ and XXXX $ last summer ( 2017 ) and they never removed the lines that had been added without my consent or knowledge. 
I left then XXXX of this year and went to XXXX. I received a final bill and paid XXXX $ for my final payment. 3 months later, XXXX sent my account to collections withiut notifiying me and did so with their television subsidiary ( XXXX XXXX for XXXX $ ). The tv charges were removed because i never received services but my final bill had changed from XXXX $ to {$3900.00}. The cell phone services were just for me and my duaghter who doesnt even use it really ( shes XXXX ). 

They have neglected their responsibilities and abused their power in a system set in their favor. I have proof of my payment and the final amount being incorrect, the termination fees and 2 phones could not be more the XXXX $ ( i paid 1 year already and they owe me credit from the mistakes they never rectified ). They have ruined my credit and made finding a home for my kid and myself impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: ID
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:
The mortgage account currently being reported was updated XX/XX/2019. In XX/XX/2019, we applied for a refinance of said mortgage l, but had to remove a HELOC loan, that was discharged in a bankruptcy in XX/XX/2019, cleared from the title. The lien was immediately cleared but now the credit report is currently reporting the entire mortgage discharged in bankruptcy, which it wasnt. The mortgage was reaffirmed on almost 10 years ago. Due to the inaccuracy of reporting the correct information, we were declined a refinance. I have disputed the inaccuracies with Experian and reported the inaccuracy to XXXX, but to no avail. Do to the recent and extensive negative impact upon our livelihood, I am going to attempt to resolve this before retaining legal counsel. Please advise.

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 2017-06-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
The problem is chase bank, my bank. When I log in it always tells me that I am pre qualified for the chase unlimited card. I checked my credit report today and it shows a denial inquiry on my report that drop my credit  XXXX  points. I want this removed at once so I can make arrangements to take my money out of this bank. This is a clear case of false advertising.  Chase  also sends the same thing in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I just want to make a complaint with Chase because It was a fraud activity on my account even though I did not make that transaction and the bank did not provide a security check with my account. On XX/XX/2023 a deposit of Tax Refund of {$1500.00} was made on the date and the bank garnished my check because of fraud activity on my account I explained that I did not make such a transaction they still made me liable for that transaction and they want me to pay the remaining balance. I believe that banks should be responsible for any fraud committed because they did not check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: MI
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:
It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.

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 2017-05-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out to Fortiva credit card contacted them about a account that was opened in my name which I never gave permission to or authorized it in any way. I called them filed a dispute and they told me it would be take in care of and removed off my credit report within 90 days. They lied to me and constantly call me threatening to ruin my credit that my life is ruined they constantly do this to me. Date was in XX/XX/2019. Amount for {$1000.00}. 

Also selling my information to thrid party creditors is illegal and a criminal act and I want all my information whipped away that is on my 3 credit reports that are lies from the card companies that placed derogatory remarks. I've contacted the 3 credit bureaus and filed complaints on the mistakes that they placed no response no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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:
An item ( book ) was purchased. When I received it the book was damaged and defective. I returned the book and made a claim with  Chase Freedom Cr edit Card. I have endlessly tried to resolve this matter and have been unsuccessful. I have called numerous times and no help. Just recently I sent an email to Ms.  XXXX   XXXX  to see if maybe she could step in and help and again I was ignored. I have done nothing wrong and now I am being threatened and m y credit score is r eally bad. I am trying to avoid litigation. You need to change the rules for credit card companies. I feel ripped off and a victim of a bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: CO
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 went into the XXXXXXXX XXXX XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: RESIDENTIAL HOME FUNDING CORP.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX  assumed a debt over a defaulted mortgage and wants to settle on foreclosing the property. The defaulted mortgage was signed by a woman ( XXXX ), and was co signed by a man ( XXXX. ). XXXX XXXX XXXX XXXX  did a wide sweeping title search and created a Foreclosure Transaction Consumer Credit Transaction Summons and named many possible subordinate lienors. 
In their sweep, they included my ex husband ( XXXX ), who has the same name as the second signer, the man who defaulted on the property loan. They then named me, by capacity of my having a money judgement against my ex-husband, for unpaid equitable distribution. They name The IRS as a defendant as well, in the capacity that at least three other men who all share the same name, and have tax liens against them. XXXX XXXX XXXX XXXX is trying to subordinate my money judgement to theirs. Further, my ex husband is not the person who signed on that property loan to begin with. The signature on the lease is not his signature, he was married at the time and not living with the woman cosigner on the loan, or in the property in question. 
I have been told that I need to take counsel to protect my interests, but I can not afford to do so. If I need to take an attorney for this, I would have to seek sanctions. This is shoddy legal research at best, or a nefarious legal tactic, to use a title search to find persons with convenient names, who have liens which can be easily usurped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made a merchant dispute with TD Bank in XX/XX/XXXX and received provisional credit. On XX/XX/19 part of the provisional credit was removed 56 business days after the dispute was opened. The portion of the dispute that was taken back by the bank caused my account to go negative, the bank then charges me an overdraft fee of XXXX dollars although the XXXX dollar fee was not associated to when i received the provisional credit. The bank told me that they could charge me the XXXX fee although the account going negative was a direct cause of them removing the provisional credit, my account had a positive balance before hand. I find this type of business to be unethical and fraudulent. This is an excessive fee!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01
Company: Source Receivables Management LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Source Receivables Management which is a violation of FDCPA. Source Receivables Management has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Source Receivables Management, nor any party that Source Receivables Management claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Source Receivables Management remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer- Rushmore Loan Management Services sent me a letter advising me that the load was being sold to XXXX XXXX XXXX XX/XX/2022. The letter gave a number to reach XXXX of XXXX but this number is wrong. I looked up XXXX and found that the number should have been XXXX. When I called XXXX they have no record of my loan using my loan number, ss number and street address. I then called Rushmore and they stated they gave the wrong number on the letter and that they will not accept any more payments on my mortgage as of XX/XX/2022. This will leave my mortgage in limbo since XXXX does not show any loan for me with them and my auto debit to Rushmore will not be accepted. How is this day of electronic business is this allowed to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wellsfargo opened an account in my name illegally. Ive been XXXX for XXXX and have not been to Wellsfargo nor have i ever opened an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attempted multiple times to return a call to XXXX  regarding a debt they contacted me about. I received no response, so I submitted a dispute via email ( to XXXX ) on XX/XX/2022. I still received no response via email, paper mail, or phone. Said collections account was reported on my credit score XX/XX/2022 after I was unable to reach them to verify the account or pay anything. I was then contacted by a different collections agency this month trying to collect it ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed these inaccurate accounts on my credit 4 times. It's been over 7 months and the credit bureaus have failed to do their job. As of this day I have not received any proof of how these accounts were verified for accuracy. I certified mailed dispute letters dated XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. These accounts are hindering my ability to obtain credit. If these accounts are verified accurately I will be pursuing legal action. I ask for the last time to investigate these accounts and send me proof of the documentation you used to verify these accounts for accuracy. I have attached my latest credit dispute letter dated XX/XX/21

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX says it has investigated the below dispute. BoA says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. BoA will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX Name BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}

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