BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a unverified Bankruptcy on my credit report. I requested METHOD OF VERFICATION which not provided. They credit agencies only the information was VERIFIED which is not true. 

I don't understand how they can do whatever they want when I have supplied a letter from the Bankruptcy court stating the credit agencies can not verify information from them as they do not share information. I requested this information over 30 days ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: JPMORGAN CHASE & CO.
State: MA
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:
I purchased tours of the XXXX XXXX XXXX and XXXX from XXXX on XX/XX/XXXX. These tours were refundable when booked. On XX/XX/XXXX, I contacted XXXX about a refund since my flights were canceled and I had to cancel my trip because of COVID-19. The response I received was that my reservations were placed on hold and would be refunded if I did not provide new dates within 180 days. So the refunds should have been issued by XX/XX/XXXX. 

When I realized I did not receive my promised refunds, I reached out to Chase on XX/XX/XXXX, within 60 days of the expected refund, to initiate a dispute and sent them screenshots of my email conversation with XXXX. I received a response that they were researching my disputes. On XX/XX/XXXX, I responded to a request for more information from Chase and sent screenshots of my email conversation with XXXX a second time. On XX/XX/XXXX, I received a letter from Chase that they " considered the charges to be valid because they didn't find any evidence of a billing error. '' I responded to this via secure message as the stated reason makes no sense and for a 3rd time sent them a screenshot of my conversations with XXXX. I have received no response outside of the automated responses to this message. 

I also contacted Chase via XXXX XXXX  about this issue and was told that they resubmitted the dispute. They they contacted me today to say that the claim request was denied and the disputes team said that I have no dispute rights over a cancellation in XXXX for a service in XXXX. Note that this was never communicated in the past and the reason given initially for the charges being upheld was that they " didn't find any billing error. '' Chase is being super shady about this and I filed the dispute as soon as I realized that XXXX did not issue the refund by XX/XX/XXXX as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract ( attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies inXX/XX/XXXX. 

This has been harming my credit history, profile and score since then.

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: Receivables Management Partners, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 I attempted to pay my debt. I was accused by XXXX of not being willing to pay my bills ( in general ). This is despite the fact that I was calling to make a payment. I asked XXXX to remain respectful, and she hung up on me. This made it impossible to make a payment. 
I called back later, and I was put on hold. This again prevented me from being able to make a payment. 
I called back again. This time I requested information to pay my bill online. The information I was given was inaccurate, and I was not able to create an account. This was the third time I was prevented from making a payment. 
It seems extremely unethical/illegal to create a situation in which it is impossible for a consumer to make a payment. 
I was also told that I was going to be marked " unwilling to pay '' - despite the fact that I was currently attempting to make a payment. I had made that clear from the beginning. 

I am left stressed out, as I want to resolve this issue. I have my debit card sitting next to me, and have been ready to make a payment with this company. I have now attempted to do so 3 times today. Due to the behavior of the employees, I have been unable to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America sent my debit card to the wrong address intentionally and stole my card. When I went to file a complaint they ignored the complaint even after I filed it. Then when my deposit came they credited my account XXXX. They then switched my complaint from fraud to dispute stupidly and maliciously in order to repocket my credit as a dispute investigation gone wrong. They tried to steal my rent on purpose and I want my account fixed and the negative XXXX. To be reversed and someone from management ( the President ) to contact me to fix it cause you dont switch fraud to dispute after you file it as fraud. They admitted to sending it to the wrong address and trying to keep my funds. It was never a dispute. If I never got the card it is fraud but the day before my deposit they put this negative balance in my account trying to make me homeless. I will fight 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 2020-05-27
Company: Experian Information Solutions Inc.
State: GA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, DEPTEDXXXX, XXXX. 
Company Inquiries 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 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 2018-07-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2018-03-03
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:
Equifax removed my legal birth name and added a different name causing my report to no longer display my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was denied credit through XXXX Bank on or about XX/XX/21, and a Experian credit report was utilized. I attempted to contact the aforementioned credit reporting agency to obtain my report within the the allotted free period at XXXX, this agency makes it extremely arduous to obtain your report through the mail. In fact, they require you to send a signed statement in the mail. Through this complaint, immediately, send me a complete copy in the mail of my Experian credit report for which I am entitled to.

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 2020-12-11
Company: EQUIFAX, INC.
State: FL
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:
Continue to appear after dispute in credit report XXXX  XXXX XXXX XXXX outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
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: Account information incorrect

Complaint:
I have been disputing an account listed on my report by XXXX XXXX XXXX with XXXX, XXXX  and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.

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 2022-01-05
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  XXXX XXXX I owe {$0.00} Status current Date opened XX/XX/2018 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I can not use pnc debit card with XXXX. Where ive invested all my money! Absolutely absurd I want my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello American Express! 

I wanted to thank you for taking the time to read my letter, I am sorry I had to resort to a CFPB Complaint however my concern is dire and because of the conflicting information provided from previous customer service agents, I feel getting a hold of the Executive/Office of the Presidents would be the most appropriate. 

I've been a member with American Express since XXXX, I had a great history with NO DELINQUENCES whatsoever! My card was paid in full and I never was late, I even took a proactive approach which jeapordized my account because a customer service rep. who had encouraged me to do the wrong doing at American Express. 

In XXXX I started to have some financial hardship, I had lost my job and was unable to pay my credit cards, however, I was able to use my AmEx and pay for it as it was essentially my debit card and had enough funds for my everday expsenses, I was just unable to pay my credit cards. 

I contacted American Express letting them know about my financial hardship and that I was NOT going to be including my American Express card in my bankrupcy for a few reasons. 1. American Express is not only my favorite card but my favorite lender! They have the best service ever! 2. I enjoyed my card and did not want to give it up 3. It would've been unfair for AmEx for me to include them in my bankrupcy because I had no issues paying them and still don't. 

However, I decided to call AmEx as a proactive measure because I had heard that even if I did not include AmEx in my discharge, they would still close my account the second they saw the public record discharge, even if I was never late! I was then encouraged by the customer service rep. ( PLEASE REVIEW THE PHONE CALL!! ) where they encouraged me to discharge my American Express and NOT PAY FOR IT!! I WAS SHOCKED!!! 

I followed the customer service rep. advise as they encouraged me to not pay AmEx because they would just close my account out anyways. In doing so, I received an offer for the " XXXX XXXX '', where AmEx promised to give me back my membership, totaling the credit line I had defaulted on IF I paid them. 

Now, however, 6 years later, American Express still hasn't lived up to their promise of giving me back my membership if I pay off my entire balance. I am writing this letter in hopes to get a hold of an indiviual who will help me with this journey of paying back my balance, being taken off their " blacklist '' and offered the promised product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021,XX/XX/2021, XX/XX/2021 I sent in a request for validation to said company Fair Collections Outsourcing ( FCO ). Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company regarding validation! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter. 

Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g- VALIDATION OF DEBTS, you are only to sent the following within 5 days of initial communication : ( a ) Notice of debt ; contents Within five days after the initialcommunicationwith aconsumerin connection with the collection of anydebt, adebtcollector shall, unless the following information is contained in the initialcommunicationor theconsumerhas paid thedebt, send theconsumera written notice containing ( 1 ) the amount of thedebt ; ( 2 ) the name of thecreditorto whom thedebtis owed ; ( 3 ) a statement that unless theconsumer, within thirty days after receipt of the notice, disputes the validity of thedebt, or any portion thereof, thedebtwill be assumed to be valid by thedebtcollector ; ( 4 ) a statement that if theconsumernotifies thedebtcollector in writing within the thirty-day period that thedebt, or any portion thereof, is disputed, thedebtcollector will obtain verification of thedebtor a copy of a judgment against theconsumerand a copy of such verification or judgment will be mailed to theconsumerby thedebtcollector ; and ( 5 ) a statement that, upon theconsumers written request within the thirty-day period, thedebtcollector will provide theconsumerwith the name and address of the originalcreditor, if different from the currentcreditor.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX, phone:XXXX  over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare. 
I contacted XXXX over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it. 
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by XXXX so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.

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