BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I open a checking and saving account with this bank XX/XX/XXXX. I received an alert e-mail saying my account was low, and at that time I open my account on the computer that is when I saw {$14.00} that was in checking. XX/XX/XXXX and every month after that an automatic withdraw of {$600.00} was taken from my checking account. I call the bank and spoke to someone at the bank about my account. I was told an affidavit would be sent fill it out send it in and a investigation would be done. After that I received a a letter saying that the bank would not refund any of the money. The amount that was taken from my account was {$71000.00}. I then close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called diversified Consultants to understand why the report was not removed and they stated based on there contract with there companies that they are only obligated to report it as paid in full but not removed from the report. I was not informed that that it wouldnt be removed from the report. Just that it was reported as paid in full. Which I feel was miss leading of words and wasnt correctly informed to me. The rep I talked too has the power to remove it but because it wasnt stated in my original conversation when the acct was paid he said he would not have it removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a letter months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX is reporting a {$2000.00} balance account number XXXX i do not owe this company any money. balance is o. and they are only reporting this account to experian only.

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 2023-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-08-13
Company: EQUIFAX, INC.
State: AZ
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:
violation of credit bureaus to report information on my credit report without my consent. legal code 15USC code 1681b. this is identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. 

XXXX XXXX # XXXX First you published inaccurate balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with XXXX  XXXX. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU  HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications.

I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM 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 2018-04-25
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:
The credit reporting agency is reporting XXXX XXXX on my credit report this is not my account

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 2020-12-05
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
World Finance company added a invalid charge off to my account. It states that I owe them a balance of {$470.00}. And my last payment was XX/XX/XXXX. I never made a payment to them and i never open this account. 

I had a charge off with them and {$260.00} was remaining. Below is the attached from that.And that account was in XXXX. Why are two balances reporting to My credit report? Please delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing this information today in hopes that I would not encounter any issues like this again. This is already my XXXX  issue this year with the Chime Bank MOBILE CHECK DEPOSIT feature. Today, XX/XX/10, I attempted to deposit a {$51.00} check from the US DEPT OF TREASURY. Chime returned my check and said it could not be deposited and to NOT attempt it again. Well, there lies the problem because this is a MAJOR issue for me, as Chime Bank is my primary bank where I receive my money and pay my bills. Additionally, during the Mobile Check Deposit, while signing my check on the back, I was instructed to put the words FOR CHIME BANK ONLY. Luckily this did not hinder me from depositing into another bank, but very inconvenient to go through this again! ( Even though I was prepared due to the last check deposit issue in recent months ). But those words could have easily been an issue for any Non-CHIME bank. Please do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a victim of identity theft on line now i can not open any account when i applied for a job online and was defrauded with fraudulent checks being deposited on my account unknowingly been a victim of a crime against banking institution until i was notified that the check issued by the supposed to be employer was a fraud and did not clear. Ever since then I was declined to open any account that teach me a lesson not to apply for any transaction or jobs on line. Some electric company also claim i have an unpaid utility in Mary land and an apartment there i told the police i have never been to Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me, this address I was told this account was started I have never lived there.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When Nationstar ( now " Mr. Cooper '' ) purchased my mortgage from XXXX  XXXX XXXX several years ago, my mortgage payment was approximately {$2400.00} per month. Suddenly, upon the change in " ownership '', my mortgage payment jumped almost {$1000.00} dollars per month. I am now paying a mortgage that I would pay for almost twice as much house. I have repeatedly reached out to Mr. Cooper for answers and to have this issue addressed. To date, there has been no substantive response. When the matter initially occurred my house went into foreclosure because the appropriate amount had been automatically removed from my bank account and suddenly was insufficient. I was given no notice and subsequently learned that we were about to default. I incurred approximately {$30000.00} in costs in order to avoid default. Since then ( XX/XX/XXXX) we have continued to overpay while attempting to address this issue with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2018 I open a check account with Citibank over the phone and was given a promotion over the phone which I still have a hand writen note make debt purchase of {$370.00} or more within 60 days and make 1 or 2 bill pay within 60 days ( no minimum amount ) wait 90 days after the 60 days period get XXXX XXXX XXXX XXXX So I opened the account and did the purchase and bill pays and during the time of promotion of 60 days I have made two phone calls to check weather I will get the miles they all said I am good I just have to wait 90 days but the miles never came so XX/XX/2018 I filed a dispute with bank confirmation # XXXX and I got a letter back from them and my promotion was denied

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 2019-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with capital one I have no idea what they are talking about as this was fraud and never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX regularly employs dishonest, unethical and illegal practices to run their business. They obtained a judgment on a {$2500.00} debt and inflated it to XXXX, falsely " served '' me at what they claim was my place of employment which was a county office address 75 miles away from me that I have never visited nor worked for. Completely falsified service!!! They continued to inflate the amount due over a 10 year period before I became aware of it through a letter from my bank. 

When I learned about this from a bank levy in XX/XX/2016, I contacted them about it and they threatened me with more legal action, would not negotiate, and even bullied an attorney I asked to call them as a favor to me to find out the particulars on the issue. 

Every attorney I spoke with is familiar with this company which has a very bad reputation for doing exactly what they did to me - using illegal means to obtain judgments. The owner XXXX is described by one attorney to be " the scum of the scum of collection agencies. '' NOTHING can be done legally to give me justice, the attorneys told me. According to the law, the judgment should be set aside since they employed illegal means to obtain it, yet I was told I would receive no justice from the courts and would be forced to file bankruptcy which I did not wish to do. 

I am not interested in you contacting them about my debt as there is nothing that will help at this point, but I would like you to pursue shutting them down and putting them out of business. A company that operates through illegal means shouldn't be allowed to continue to victimize people and destroy them financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX  XXXX I have no idea what they are talking about as this was fraud and never authorized by me.

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 2023-08-25
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had 4 accounts I rarely accessed. They are more or less " holding accounts '' for renter deposits. I am required to have these accounts. I was told at BBVA that there was no management fees associated with the accounts if I set up auto transfers on the accounts between a savings account and a checking account, which I did. I opened the account in XXXX XXXX. I was never informed that PNC was actively purchasing the bank. 

When my renter moved out in XXXX I tried to access the account to retrieve the funds and was then notified that BBVA was purchased by PNC. I was not told of this during a prior date or at the time of opening the account at BBVA. 

I went to the local branch to sort out the issue and retrieve my new account numbers. Of the four accounts, they could only locate one crossover account. I was told that the account balance was now $ XXXXI asked for my account closing statement at BBVA and they said they would have to look that up and to come back at another time because they didn't have access to it. They said they would not refund my money, despite never opening or opting into a specific account with management fees at PNC. They drained one account with management fees. They could not provide account numbers for the other three and could not tell me if or why the other three PNC accounts had been closed or where the money in those accounts went. 

I was then told that nobody else had this issue during the crossover. That I was " mismanaging '' my accounts and it seemed like they thought I was deserving of losing 3 accounts money and the associated history of those accounts and $ XXXX dollars in the one remaining account that they were able to produce a PNC number and account balance for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld systems Inc reported to XXXX on XX/XX/XXXX  for a creditor XXXX in the amount of {$750.00}. This account is not mine. I have never had an account with this company. I have never heard of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Had a check wrote to someone, they waited to cash it. I had checked my bank balance at about XXXX am on XXXX and it showed it was XXXX at XXXX i checked again and it now showed a bunch of nsf charges for a check for a XXXX neg when the check went through! I called and asked if would waive the feed! And why it did not show earlier. Was told did not know and could not waive fees. So for XXXX was charged XXXX nsf fees and {$140.00}! I looked at my account more and noticed this has happend more than i realized!!!

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This agency is reporting inaccurate information. I have been unable to get in touch with this creditor because the mail was returned and this agency is reporting this address on my credit report. I have disputed this with the agency and they refuse to remove this account 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 2021-09-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Up until XXXX XXXX I never had a problem with making a payment to TJ Maxx reward card. My payments where intentionally causing payment confusion and defamation of credit integrity. They have since closed my card after the delayed payment process and make it difficult for you to make a payment. I felt assaulted by the disruption of my credit history and the attack in my financial credibility.

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