BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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 reached out to the seller and asked for a washer and dryer new for XXXX. Didn't have. Ask for my cell sent different pictures of washer and dryer a. I asked could we negotiate. A set sold. I said nevermind. They called. Said one XXXX new sent pics. Setup to bring to my house. It was brought. Not new the washer. I tried to tell the driver. He turnt the washer on and rode off. He said he would talk with them but didn't. It asked them to pick up the appliances and I could get my money back. Instead insults and rude to different people that tried to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Two years ago, I lost my son and my daughter was in XXXX for 6 months. Thereafter, she was transferred to XXXX. I was in a financial dilemma due to ( XXXX issues, and a death in my family last year ). As a result, a repossession occurred ; 2 and 4 respectively of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid those payments 30 days late on those occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now those late marks and repossession/redeemed on my credit reports are causing me tremendous stress. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion, and uplift in my family and I would be extremely appreciative if you would please complete a XXXX - XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Three months after purchase of vehicle I called of numerous complaints of issues with the car and overpayment as well I was told that their would be an adjustment and for months it never happened. Months later I am having issues with this car a second time, and I complain to Toyota that im not satisfied with the issuesI keep having as well as them making an adjustment as the promised. Fast forward months later as I continue to struggle with myself about making payments on what I would consider a lemon I decided to give Toyota one last call to try to make some kind of deal regarding the issues as well as the overpayment at whoch time they refused to lower the price, but would spread my payments longer which made no sense. I then told them I was doing a voluntary repo because not only did I overpay, but im continuing to drive what seemed to me was a lemon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: NCB Management Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB MANAGMENT SERVICES This company is reporting on my credit report that I owe them a Debt. 
I have no knowledge of ever getting a loan or any products from this company. 
I have written and tried to call this company three times asking them to send me documentations of a contract or anything with my signature on it. My most recent letter was wrote on XXXX XXXX2020 by Certified Mail .They received my verification letter on XXXX XXXX,2020. I haven't heard back from this company. 
On my credit reports it states I owe them {$3300.00} NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions with the consumer to whom it relates. 
I, XXXX never gave credit bureaus any written consent to report anything on my consumer report, no consent is identity theft. 
A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : 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 2017-08-12
Company: EQUIFAX, INC.
State: NY
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 disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Midland Credit Management continue to call my job after telling them to decease. 
The dates and times are ( XX/XX/XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX  ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While I was checking my credit reports I kept seeing different addresses that were listed as " previous/ current '' address in which I do not have any affiliation with except one of the address in question. The address that is listed on my credit report that I have any affiliation with at all would be my ex wife 's address located in another state that I have never personally been to nor have I ever used on any applications whatsoever. I have notified the credit reporting agencies about this very concerning and fraudulent matter asking for them to remove the addresses listed not associated with me after being denied more information about the addresses in question and what accounts that they are connected to ; even though it is my right as a consumer to have my credit report accurate and upated.

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 2018-07-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
Hi, I have had my Chase Sapphire Preferred Card for a little over two years. I recently got a letter in the mail saying that they are closing my account because another one of my Chase accounts has been closed. I have no other Chase account, where I am either the primary account holder or an additional member. I solely have this one card. I have reached out to them, but they will offer me no explanation other than that I have had another account closed. Please tell me what I can do to fix this. All I want is my credit card back. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX sent me defective merchandise. I made a rightful claim which XXXX refused without justification. They are now harassing me daily and ruining my credit for something that they did by not following the law. 

I have no intention of paying XXXX  for the defective merchandise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I spoke with XXXX in regards to the late fees associated with my account. I was told to reach out to the credit bureau to remove those late payments from my credit report. It clearly states on the website of my Victoria secret card that I can call them regarding issues with financial issues during this pandemic. 

Then I called the number and spoke to XXXX and was referred to contact the Credit Bureau. This was odd to me because in the past I was taken care of by my creditor directly. 

I have Late payment fees and negative credit reporting statuses for XX/XX/17, XX/XX/17, and XX/XX/17. This was all associated with my loss of income due to COVID 19. I would like those payment statuses removed from my credit report because it is negatively ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Ditech Financial LLC
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: Old information reappears or never goes away

Complaint:
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and XXXX. DITECH ref # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SERVICE has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
2 ) American express reported it back on my credit as Charge off in XX/XX/XXXX? The account was closed on XX/XX/XXXX of XXXX. 9 years way past Statue of limitation again in the State of VA! 
3 ) Damages to my Credit that is causing higher interest rates, declined on credit, I am seeking {$2000.00} per year for the past 11 years of XX/XX/XXXX I am expecting this to be taking off my credit IMMEDIATELY as well as a check for damages. 
4 ) Once again here is the proof of police records and my credit where American Express reopen 5 ) When American express tried to take me to collections back in XX/XX/XXXX of I asked them to validate my once again I sent them the police report! Not only American express can not Validate my debt! They send me other personal information of XXXX XXXX XXXX, XXXX XXXX, and a court case? 
I expect an IMMEDIATLEY ACTION of this off my credit report and a Check of {$22000.00} payable. This is outrageous and I am very furious about this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A purchase was made through XXXX and the goods were never recieved from the seller and tried with XXXX and was unable to get the refund. The XXXX was deducted from my Bank Of America Account of the amount {$97.00} in XX/XX/2020. The claim was made to both the organzations and with no positive favour on it. I want to have the full refund from them. Looking forard for your help

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 2020-05-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
I have committed several foreign transactions using PayPal Inc : XX/XX/XXXX XXXX  XXXX  billed at {$10.00} XX/XX/XXXX XXXX XXXX billed at {$12.00} PayPay blocked me for using my XXXX XXXX ( XXXX Card ) debit card to make a payment directly in Can $ that would result in {$10.00} and {$11.00} charge to my account. 
Loss of funds : XXXX When I called customer service I was told but I have no choice but follow through this arrangement. 

XX/XX/XXXX PayPal XXXX for XXXX XXXX PayPal blocked my transaction using XXXX card direct pay in XXXX and then automatically converted the transaction into the US {$48.00} instead of {$44.00}. Loss of funds : {$4.00} XX/XX/XXXX I paid an invoice at XXXX XXXX and after selecting the payment option for the British Pounds PP automatically converted the amount of the transaction without my knowledge and consent at the amount of XXXX loss of XXXX I called PP customer service and after being put on hold for approx. 18 min the call was disconnected. When I called a second time the PP manager XXXX ( employee # XXXX ) told me that from about 1 year ago PP instituted a policy of forced currency conversion. I was never informed about this change of policy which is anti-competitive and monopolistic and not in any way I consented to it. 
The overall loss of funds due to this practice is : {$11.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Resurgent Capital Services L.P.
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 2018-07-04
Company: EQUIFAX, INC.
State: CA
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 am a victim of ID theft/fraud and USPS fraudulent change of address. I contacted all 3 credit reporting agencies and put freezes on my credit files. I live in California and disputed an incorrect former address ( located in Georgia ) on my Equifax credit file. I sent Equifax copies of a Police report, FTC ID theft report, my current address, copy of utility bill, and copy of my XXXX. I sent a cover letter expressing that the address in Georgia had never been my address and to remove it from my credit file as a former address. I explained that the address in Georgia was used to fraudulently open up a credit card in XX/XX/2017 in my name. I discovered in XX/XX/2017 that someone opened up a XXXX credit card in my name only when I started to receive collection phone calls from XXXX. I contacted XXXX fraud department and they determined that it was fraud and closed down the account XX/XX/2017. Equifax investigated the dispute and concluded that the Georgia address since XX/XX/2017 had been previously verified by documents from me and determined that the identification will not be deleted from my file. This is so frustrating! I believe that Equifax is responsible for breaching my credit information in the first place and now will not correct my credit file? Nuts!! Please let me know what I am able to do to correct the problem. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When trying to pay my rent online, I discovered that both my Debit and Credit cards have been blocked by HSBC bank, with no explanation, despite my account having adequate funds available. I spent all day calling the HSBC fraud department, but they just keep putting me on hold, until finally they went home for the day. If I do not get my card unblocked and pay my rent by tomorrow, I will be fined late fees, for which I think HSBC should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notified Transunion Previously that I am victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation