BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXXXXXX XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXXBalance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXXBalance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/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 2020-09-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7400.00} Date OpenedXXXX  Dispute XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance {$0.00} Date OpenedXXXX Dispute Item Reasons Additional Comments XXXX  # XXXX I have no knowledge of this account XXXX  # XXXX I have no knowledge of this account 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( 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 explanation
Consumer complaint received 2017-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I set up auto pay and they refuse to stop calling me even though I called them back today and explained the situation. There is some problem with auto pay even though they have my bank account number and authorized it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: AL
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:
The date of last activity is incorrect. How can this account be charged off when I pay them on time and in full.. Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Without notice, my vehicle loan account with Ally Bank was transferred to a debt collection company on or about XXXX XXXX XXXX. The first information I received about it was a notice from the debt collector, XXXX XXXX XXXX, XXXX, demanding information about my vehicle and for me to acknowledge the debt. I then went to the Ally website and found that my account information had been deleted. I had recently discharged my bankruptcy case however my vehicle payments were up to date at the time I received this notice. I have since continued to send my monthly payments to Ally Bank. To this date none of them have been returned to me and I have received no contact from them about transferring the servicing of XXXX loan.

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 2023-08-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was fraudulently used at XXXX XXXX for {$2500.00} and I reported it to Chase bank on the same day and they denied my claim saying I need to send in proof. When I ask what proof they are saying they cant tell me that. I alerted them on the same day that I discovered the charges. The transaction took place on XXXX XXXX at XXXX XXXX in XXXX XXXX, New York

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : Bankruptcy XXXX XXXX XXXX XXXXankruptcy : 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 off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX XXXX XXXX XXXX XXXX account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX  XXXX. This is a violation of the FCRA. 
The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection account contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.

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 2023-08-25
Company: Affirm Holdings, Inc
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Affirm reported that I owe a loan balance of {$4600.00} of original. I made payments although I disputed that I this is a rip off and the amount is wrong. I keep making multiple payments and Affirm is not reducing the balance owed. They keep taking my payment and not updating XXXX with the correct amount. The amount paid already should be paid full. I provided XXXX with the data that this account was already paid and they continue to allow Affirm to report inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Following Only XXXX Addresses are associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX Apartment complex ====================================================================Following Addresse is NOT associated with me. 
XXXX XXXX XXXX XXXX CA, XXXX ================================================================== I did not apply to this merchant this unauthorized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: JPMORGAN CHASE & CO.
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MD
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:
I made a payment with XXXX XXXX XXXX to bring my balance to XXXX on XX/XX/2022. My balance is currently at a XXXX balance with no payment due and is current and active as of XX/XX/2022 Ive made numerous disputes with Experian, XXXX and XXXX for them to update my balance to XXXX balance with no past due amount. But they are still responding to the disputes with my old account balance and saying my account has a balance and past due when it is not. XXXX XXXX XXXX  even provided me a letter stating my account is current with a XXXX balance and not past due and they refuse to update. I have a current dispute with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Additional investigation required. I opened a Capital One prepaid card to restore my credit. I paid {$99.00} to activate a {$200.00} credit card. 

I was going to the hospital for a bit and I called in to set up autopay. 

I was hospitalized for 3 months. 

When I got home I got my bill. I was surprised to see the bill was overdue. 

I called in and made a debit of {$160.00} to keep the account current. 

I was told by PHONE that my account would be ok. 

A week later I got a refund check in the mail and my account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 requested an investigation with Transunion into the accounts listed below. After getting a response from TransUnion that the accounts were " verified '', I requested a method of verification and did not receive a response. 

Accounts in question : XXXX XXXX  {$1000.00} Account # XXXX XXXX XXXX {$610.00} Account # XXXX XXXX XXXX {$540.00} Account # XXXX XXXX XXXX XXXX {$44.00} Account # XXXX XXXX XXXX {$530.00} Account # XXXX XXXX XXXX {$390.00} Account # XXXX XXXX XXXX {$530.00} Account # XXXX I look forward to getting this issue resolved asap. 

Regards, 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 2019-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started receiving letters and phone calls from Portfolio Recovery Associates in XX/XX/XXXX. I wrote the company to inform it that I did not have debt and to cease contacting me in XX/XX/XXXX. I also informed the company over the phone that it was contacting the incorrect person in XX/XX/XXXX. In XX/XX/XXXX, the calls resumed and the company also calls my wife. I have never had the debt Portfolio Recovery Associates claims I have and my credit report reflects that I do not own the debt I keep receiving calls about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
CHASE BANK, LIED CONSISTANTLY TO ME. I TRIED AND TRIED AND TRIED TO HAVE THEM ASSIST ME MODIFY MY MORTGAGE, THEY CONTINUILY LOST THE PAPERWORK, AND MADE THE EXCUSE, THAT THE TIME ALOTTED TIME WAS OVER, AND THAT I NEEDED TO APPLY AGAIN. 

NO MATTER WHAT THEY TELL CFPB THEY ARE LYING TO YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: ENCORE CAPITAL GROUP INC.
State: IN
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:
I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX County small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX for a debt. In informed them that I was no longer a resident there and lived in XXXX, Indiana. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office XXXX XXXX XXXX who was handling both debt accounts. I contacted XXXX XXXX XXXX and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me.

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed XXXX XXXX XXXX as well as the county court office that I no longer resided there. 

I attempted again to contain Midland to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Today XX/XX/22 I closed my Citizens Bank credit card because of the prior complaint I made about sneaky interest charges. The woman closed my account and did not apply the {$830.00} in rewards I had accumulated! That is wrong and I will NOT stand for it. The nerve of the Office of the Chair to do this without saying a word! Another way CITIZENS BANK KNOWINGLY, KNOWINGLY, TAKES ADVANTAGE OF THEIR CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My credit report is showing inaccurate information on all 3 credit reports from XXXX, XXXX, and Transunion for the following companies listed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. There are late payments and transactions being listed on all three reports. 

Per 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The Privacy Act of 1974 - my rights to privacy have been violated.

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.

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 2022-01-12
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I notified this NCB collection agency on XX/XX/2022, for complete verification and notified them that this suspicious account is In dispute because of the possibility of identity theft. 

This collection agency has failed to provide me with the essential verification as required within the required time. 

I have never received any collection letters from said agency required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company is a Fraudulent collection agency who has no regards to the laws set by the US Bankruptcy court. They are going to receive a letter from my attorney and lawsuit for breach of the XXXX Fair Debt Collection Practices act. They bought this debt from XXXX XXXX XXXX XXXX XXXX. This debt was discharged through Chpt XXXX Bankruptcy in XXXX of XXXX. They are still calling me and are reporting to equifax as an open account. On XX/XX/XXXX they updated the account. They are also going to be getting a visit from a news organization at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief