BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: Colony Brands, 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: Their investigation did not fix an error on your report

Complaint:
Account (. ), has violated my rights. 15U.S.C.1681 section 602. A.States that I have the right to privacy.15U.S.C.1681Section604 A. Section2 : it also states consumers. Reporting agency can not Furnish account without you want me to go without my written instructions.15 U.S.C. 1666B : a creditor may not treat a payment on a credit credit account under an open and consumer Credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: EQUIFAX, INC.
State: GA
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:
My first contact with the XXXX XXXX XXXX was XX/XX/XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX  again by fax in XX/XX/XXXX to dispute the inaccuracies once again. My student loans date back to XX/XX/XXXX. The agency is reporting the accounts as being 90/120 days late in XX/XX/XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XX/XX/XXXX, I submitted another complaint through Equifax and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
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:
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2023-08-17
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I am in the process of purchasing a new home. The settlement was originally scheduled for Wednesday, XX/XX/2023. On Monday, XX/XX/2023, a fraudster impersonating my settlement company 's closing agent sent me wiring instructions informing me the account number and routing number to wire the purchase proceeds to a fraudulent account. I submitted the wire transfer from XXXX XXXX XXXX on Tuesday, XX/XX/2023 to the fraudulent account held at PNC. We identified same day that the receiving account was fraudulent and notified PNC to block the funds from being deposited into the fraudulent account. They were successfully able to block the deposit even though the funds were transferred. 

XXXX has submitted two requests to return the funds so we can proceed with wiring the funds to the correct account so the closing can occur and the sellers can proceed with closing on their new home. Numerous calls have been made to PNC to request the funds be returned, but PNC has been either duplicitous about the status of the funds or they're just being incompetent. The fraud manager at XXXX contacted her counterpart at PNC and he confirmed seeing the return request in their system. Today PNC reported they never received the recall request even though XXXX had their confirmation codes from the transfer system. The settlement agent had to personally go to the corporate office to speak with someone directly. Only until then did PNC confirm that fraud had occurred on the account and the funds are frozen. They won't provide any indication as to when the funds will be returned so the subsequent closings can take place. The sellers ' possessions are in a moving van and they are staying with parents until this gets resolved. PNC needs to be exposed for their duplicity or incompetence. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XX/XX/2015. In addition, they are reporting a balance due although they have already written the debt off.

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 2017-12-15
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to hire the company to service my residential garbage disposal needs. However, I was disappointed with their services & cancelled immediately. 

My garbage was picked up one time on Thursday, XXXX XXXX. The next week, my garbage was skipped. The company had told me that they had two pickups per week. However, my garbage sat all week at the end of my driveway. After my garbage sat untouched, I phoned the company. I voiced my disappointment with their service & promptly cancelled. Then, I hired another local garbage service company.

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 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Here is a chronological timeline of the events that happened which led me to filing this complaint ... ... ... ... 

XX/XX/2019 XXXX - alert-email about charge of XXXX XXXX [ fraudulent ] from XXXX ( later reverted back PERMANENTLY ) delivered to my XXXX inbox [ I did not initiate/authorize any purchase with XXXX ] XX/XX/2019 XXXX - " email verification '' request from XXXX delivered to my XXXX inbox [ I never initiated any email subscription for XXXX, nor have I ever used their services - they shouldn't even have my email address ] XX/XX/2019 XXXX - alert-emails from XXXX delivered to my XXXX inbox about : ( a ) charged XXXX $ amount [ disputed ] ( b ) order confirmation for " XXXX  XXXX XXXX  @ XXXX XXXX XXXX @ XX/XX/2019 @ XXXX, Order noXXXX '' ( c ) order ready to print [ I've never used XXXX services ever before - they shouldn't even have my email address ] XX/XX/2019 XXXX - tickets confirmation from XXXX delivered to my XXXX inbox XX/XX/2019 - transaction [ fraudulent ] from XXXX posted to my Bank of America credit card account XX/XX/2019 XXXX - call with XXXX  agent disputing the transaction and reporting fraud sometime between XX/XX/2019 and XX/XX/2019 - called up Bank of America, reported fraud and closed the credit card account. Also called up XXXX to review their arrangements with XXXX   who is their third-party re-seller XX/XX/2019 - fraudulent charge [ disputed ] on my credit card taken off by Bank of America XX/XX/2019 - letter received from Bank of America about taking off fradulent charge and that they are investigating further into my claim XX/XX/2019 - final letter from Bank of America that their investigation found that there was no evidence of fraud, hence the charge of XXXX $ added back to my new credit card account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUMMARY : I never authorized or initiated the purchase of any concert tickets with XXXX and XXXX amounting to a transaction of {$140.00}. As I also have never used the services of both these organizations ever before, they should neither have my credit card information, nor they should have access to my email address. 

Reviewing the final letter sent to me by Bank of America, that has close to no information about the 'process ' of their " investigation '', it's very clear that the Bank has failed to do due diligence to their own investigation. I do not agree with the final findings of this investigation and I make a stand that the charge is wrongful/unauthorized/fraudulent and should be reverted from my credit-card account permanently.

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 monetary relief
Consumer complaint received 2021-06-04
Company: Commonwealth Financial Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00} -- TWICE! 

A credit alert for a derogatory account was placed on my account on XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX for {$1600.00}. 

A letter demanding payment for two separate amounts of {$1600.00} was sent to me with a date of XX/XX/XXXX by Commonwealth Financial at the behest of XXXX XXXX XXXX XXXX. All parts of this letter are attached as files to this complaint. 

This is a bill for an ambulance with a date of service in California from XX/XX/XXXX. It is now XXXX and I live in New Mexico. I do not owe the company this money. I did not acknowledge the debt and " reset the clock. '' This company is attempting to ruin my credit in order to illegally intimidate me into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX and transunion both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to XXXX   by fax and received a confirmation that it went through, they're claiming they have not received it. Transunion provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers XXXX # XXXX Transunion # 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 2019-08-12
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:
I attempted to contact XXXX and Transunion to get items removed from my credit file that was the result of identity theft. Please assist me in getting the following items removed from my credit file : XXXX XXXX - Balance {$1900.00} ( XXXX and Transunion ) XXXX XXXX - BALANCE {$1900.00} ( Reporting on XXXX  twice ) XXXX XXXX - Balance {$390.00} ( Transunion ) XXXX XXXX - Balance {$1300.00} ( XXXX ) XXXX XXXX - Balance {$0.00} ( Transunion ) XXXX XXXX - Balance {$300.00} ( Transunion ) I also submitted a FTC Fraud Affidavit to XXXX  and Transunion.

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 2021-02-02
Company: FlexShopper, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cant remember a date but I went to flex shopper online to order a camera and make payments over time..I think it was weekly payments. I order the camera but never received the item. Ive tried many times to resolve this problem with the company speaking to many people. The account is now in collections which it should not be and everyday I receive calls and emails about a debt I do not owe because I never received the item.

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 2017-09-23
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: Account status incorrect

Complaint:
I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified. The most recent being case XXXX where the issue was rectified and closed. You will notice in the response that XXXX did not dispute this information and TrnsUnion agreed with my information. I noticed today that the information was added BACK to my credit report. This again is in regards to a BALLOON loan which can be late only once and the time late can be updated but it would still constitute ONE late payment. I have attached the previous TransUnion response.

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 2020-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i been seeing unautorized transactions have been used on my debt checking account i missing over XXXX dollers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXXXXXXXXXX XXXX  XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB 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 2019-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to Portfolio Recovery to verify a debt on 2 XXXX XXXX Credit Card Accounts and a XXXX account that they claim I owe. Portfolio Recovery only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX XXXX or XXXX. Portfolio Recovery did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. The letters that have a Portfolio Recovery letterhead all state at the bottom " This communication is from a debt collector but is not an attempt to collect a debt '' Portfolio Recovery is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Nelnet, Inc.
State: GA
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:
My first contact with the XXXX XXXX XXXX was XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX again by fax in XXXX to dispute the inaccuracies once again. My student loans date back to XXXX. The agency is reporting the accounts as being 90/120 days late in XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XXXX, I submitted another complaint through XXXX and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted the 3 credit bureau filed dispute I contacted the biller they have no initial account under my name or verification. I have several hard inquiry that shouldnt be on my credit report my credit report should be locked unless open by me. There some one that try to initial tried to apply for loan for vehicle under my name and also applied for mortgage loan which I never applied for thru any loan and credit card or line of credit company. I have had my Identity taken before it in the XXXX XXXX XXXX courts XXXX someone was using my Idenity to commit Idenity theft using my name to gain access to bank banks mobile service, buy a car, buy a house and gain credit cards start business gain a copy of my XXXX XXXX to practice hair under my name using my name S S and address with a different mailing address its all financial gain.. They even gain access to full amount to my unemployment full payment from XXXX for the pandemic. I been through criminal civil charge due to this person using my name for criminal Identify theft. The only reason case was dismissed driver license picture and fingerprints were no match. My phone and personal belongings were stole from XXXX XXXX as being customer at there store and my purse was stolen from car in XXXX and XXXX XXXX with a police investigation to my complaint I had made a police report of my stolen property token from my car. This was file thru the courts through consumers and 3 credit bureaus from the courts that Im victim of Identity theft. Several individuals using my personal identification and verification for gain financial., I would like all discrepancies of hard inquiries removed mortgage and disputes removed from my account I provided all information unless need to file with courts on this 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 2021-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Background : My Chase Sapphire Reserve Credit Card currently has an annual fee of {$550.00} and a Credit Limit of {$1500.00}. I was charged the annual fee on XX/XX/XXXX this year. Chase has reached out and said that they would credit {$100.00} to reduce the annual fee to {$450.00}. 

Issue : Per the Credit Card Accountability, Responsibility, and Disclosure Act of 2009, no company can charge an fee ( including an annual fee ) that is more than 25 % of the credit limit. The current annual fee, that I am being charged now, is above this threshold.

Company response to consumer: Closed with explanation