BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was scammed for {$1000.00} in my savings and {$500.00} in my checking account. I was also scammed by trickery for {$1000.00} on my credit card with XXXX XXXX. I contacted both my bank ( USAA ) and the credit card company ( XXXX XXXX ). Neither bank accepted my dispute and stated that because it was a scam and not fraud then I will not be refunded anything. I was then told by a co-worker that the CFPB is the next step. This is what happened with the scam. On XX/XX/21, I received a call at XXXX ( XXXX XXXX ). The first call was an automated message saying that my email was compromised and used for money laundering. I hung up and immediately got a call from the sheriff 's department ( XXXX ) XXXX. They asked if I wanted to turn myself in. They said that there was a warrant for my arrest because I failed to comply with the Department of Justice. I then got a call from special agent XXXX XXXX XXXX XXXX XXXX. He said that I needed to safe guard all my money and an agent will meet me the next day. He then said that I had to put all my money on XXXX  gift cards. So, went to XXXX 's grocery store and I got 2 XXXX  gift cards equaling {$1000.00} from my savings and 1 XXXX  gift card equaling {$500.00} from my checking. I had to drive home, so he said that I could got to XXXX  XXXX XXXX and get the gift cards from my credit card. I got 2 XXXX  gift cards equaling {$1000.00} from my credit card. After buying, he asked for the card number and access code on the gift cards. After about 3 hours of going back and forth with the special agent, he told me that I would get a call from an agent the next day to set up a time to meet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was prequalified for a Mortgage by Quicken loans via Rocket Mortgage who engaged in deceptive business practices upon issuing an adverse decision against me after I was prequalified for a Mortgage. It is my good faith belief that the Lender violated RESPA, because I conveyed that had not yet found a Real Estate Agent who was a good fit. An Agent name XXXX XXXX was asked by XXXX to show me a property. XXXX lied and said that the property was under contract, with the intent to force me to look in XXXX County, ( A property where she probably has a location to sale ). However, I had my own living preference for work/lifestyle. So because I was taking my time and being careful with whom I selected as an Agent. The company sent me an adverse letter with the intent to discriminate against me upon taking action against my prequalification in violation of The Fair Housing Act ( FHA ) and the Equal Credit Opportunity Act ( ECOA ) protect consumers by prohibiting unfair and discriminatory practices ; and RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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 status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX ( Reason for investigation : Inaccurate information. Please Un-verify & delete this information )

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my transunion , XXXX and fico.

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 2017-08-02
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:
There is an account on my credit report from XXXX that is not mine. I had sent a letter asking for validation they couldnt prove validation and said it was going to be deleted, somehow it got put back on without any acknowledgment and I disputed it again and all that happened was a summary put on my credit report stating account validated. How can they validate this? I have not received any kind of validation or proof of contract with my signature with 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 2020-01-28
Company: GOLDMAN SACHS BANK USA
State: DE
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:
I have a apple credit card from Goldman Sachs. In XXXX I made a purchase from Apple.com using this card. In XXXX I returned the products and Apple refunded me in full amount. When I made the purchase, I have 3 % reward cash from the credit card. When I got the refund, Goldman Sachs took back the reward cash. 

Now I have a balance due on my card, whose amount is exactly the 3 % reward cash. I called the customer service asking why. The representative told me that the balance was the reward cash issued to me and I need to pay it. However, Goldman Sachs already took the reward cash back when I returned the products. They still asked me to pay for it. 

I made a purchase using the card, then got the reward cash. Several days later I made a return and got the refund. The credit card company took back the reward cash. Now they are asking me to pay for what they already took back. In other words, I made a purchase and then made a return, got nothing, but still need to pay for the reward which they took back. 

This is definitely not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: RentDebt Automated Collections, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. 

Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: National Credit Adjusters, LLC
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 status incorrect

Complaint:
Previous compliant response is false. I never received any documentation in XX/XX/XXXX. The documentation provided to the XX/XX/XXXX CFPB compliant is a final bill from XXXX XXXX, not a record of any documentation sent in XX/XX/XXXX. Per XXXX XXXX they have no record of sale of account to NCA nor any affiliation with NCA. 

In response to the false information in reference to my email. I sent a website contact for on XX/XX/XXXX, and received an email on XX/XX/XXXX that required a response requesting more information and suggesting phone conversations can be had. I sent a reply on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX with no responses. I submitted another website contact on XX/XX/XXXX and sent an additional email on XX/XX/XXXX with no response. I also sent a fax on XX/XX/XXXX after this was reported to my credit. 

NCA has continued to falsify contact, by stating that anything was sent to me in XX/XX/XXXX or prior when all contact was from me to NCA. Also falsely suggesting that my contact was singular.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-05-22
Company: EQUIFAX, INC.
State: PA
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, consumer XXXX XXXX has instructed Equifax a consumer reporting agency to remove inquires and several accounts since XX/XX/2020. Equifax has taken it upon themselves to furnish my information without my permission and without my written consent. This constitutes fraud and is against my federal consumer rights 15 USC 1681b ( 2 ) ( A ) Permissible purposes. Equifax has furnished credit history in which should also be excluded and factual information is against my rights as well. Several letters have not worked and now I've sent affidavits of truth to fix the issue. Equifax continues to violate me and I want it to be fixed and I want compensation for this abuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CITIBANK, N.A.
State: AZ
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:
Citibank not pay the merchant. 
I would like to see the responses made by the merchant. 
I would like to be informed why Citibank decided in favor of the merchant Citibank resolved the issue two days after I filed a complaint on the site. Prior to that, it claimed that the issue was still being reviewed and two days later, all of a sudden, they resolved it in favor of the merchant. I had been attempting to get them on the phone but each time, i was disconnected. I sent messages and got no response. When I looked on the site for messages, there was none. But at the top left corner of the billing statement, there was a message saying that the issue is still being reviewed. I sent them a big packet of documents and photos of the issues I had referenced to. I doubt they even looked at it. I feel that the decision is unfair and I would like the dispute reopened. The bank did not inform me of the merchant 's response nor did they even acknowledge that they received the documents I sent. 

To me, the money involved is a lot of money.

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 2020-08-27
Company: JPMORGAN CHASE & CO.
State: PA
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 have a Chase Sapphire Reserve card. I purchased five cameras from an online merchant, but only received four. I provided documentation confirming this in the form of a packing slip, which indicates I was only sent four cameras. My dispute was denied without reason, the only reason being that they " thoroughly reviewed '' all the information and based on that determined that no billing error occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called step daughter about debt owed. The only reason they can call relatives is to locate the primary person. We have not moved or changed numbers in years. Illegal collection tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: MN
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 public record of Chapter XXXX Bankruptcy listed on my XXXX and Experian credit report is inaccurate and not my public record. The following credit inquiry listed on my XXXX credit report is fraudulent and unauthorized : XXXX XXXXXX/XX/2020. The credit inquiry is not my credit inquiry.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have discovered that some accounts and inquiries do not belong to me. I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and inquiries have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to these accounts, but the creditors would. Also, I saw most of these inquires have the same date. I did not authorize these inquiries.

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 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 item was taken off of all three bureaus under a different name, XXXX. It has been taken off of XXXX and XXXX. XXXX XXXX XXXX Account number XXXX. It is back after Transunion took it off before after I filed a complaint.

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 2020-08-27
Company: Diversified Recovery Bureau LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My husband was contacted by phone this morning by a representative of Diversified Recovery Bureau who purchased my debt from XXXX XXXX. My husband and my finances are separate I never list him as a contact on any financial documents. The lady that called his phone asked for me he advised her that he was at work and I was not with him that she should contact my phone. She proceeded to tell my husband that if he provided my date of birth that she could tell him what is going on. He declined and advised her that it was none of his concern and that he should contact me. The lady proceeded to ask my husband " dont you want to know whats going on? Thats your wife? '' He again advised that it was none of his concern and that she should contact me and hung up. I am well aware what she did is unprofessional and she was wanting to provide my private information ( my husband is nowhere listed on the loan, neither as a co-signer or someone obligated to pay my debt ). I contacted the company and requested to speak with a Manager. I do not feel like this helped. If this is the way they are doing business they are violating my privacy rights, and who knows who else they have done that to and they are not aware it is lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX placed a collection on my account, I disputed the collection as not owed and asked for evidence. The debt was removed. XXXX sold a collection that is not owed to XXXX XXXX   XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXX. XXXX Account XXXX placed a notice on my credit report XX/XX/XXXX. I disputed the debt the same day and requested evidence of the debt by letter certified mail. It was deleted from my credit report. The same XXXX collection was resold to XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, ( XXXX ) XXXX and placed on my credit report XX/XX/XXXX. I disputed the debt by letter certified mail on XX/XX/XXXX. The alleged debt is being sold and sold again without each company ever proving that I actually owe the debt. Each year it is being placed again, with a new opening date, on my credit report causing damage to my credit. I have notified Experian but the collection has not been removed. I would like this collection removed from all credit reporting agencies. Rather than prove the debt, it is being resold time and again generating a new collection. Credit reporting agencies need to be more responsible. This is obviously the same debt. It has already been deleted, yet Experian continues to allow it to be reported again and again with no proof that I owe the debt. This amounts to harassment in an attempt to get me to pay a debt not owed.

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