BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stores, Tire Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX    XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX   Credit Cards I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$4200.00}

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 2018-10-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
BEWARE! American Express is sharing customer data with XXXX. THIS IS UNBELIEVABLE in an age of data privacy. IT IS UP TO INDIVIDUALS to unlink their financial account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, 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 have attempted to contact all 3 credit bureaus in regards to the following accounts : XXXX XXXX card reporting with a balance of {$600.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX with a balance of {$10000.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXXXXXX last reporting XX/XX/XXXX with a balance of {$560.00} currently reporting to Equifax and XXXX And XXXX XXXX XXXX  with a balance of {$110.00} currently reporting to all 3 credit bureaus Because they are not mine and are a result of identity theft. They have not responded to any of my letters or attempts to correct this information. 

My name is XXXX XXXX and my date of birth is XX/XX/XXXX and my address is XXXX XXXX XXXX XXXX GA XXXX. I do not feel comfortable putting in social or any portion of it due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I received a text from Chase that there was suspicious activity on my personal checking account. Someone had taken {$3000.00} out of an ATM about an hour from where I live ( I live in XXXX CA and the ATM was in XXXX XXXX ). I immediately called Chase and said that this was fraudulent activity. I still had the ATM card in my possession. The customer service representative said she would shut down this ATM card and send me a new one. 

Later that day I checked my personal checking account online and someone had entered the branch and withdrawn {$8200.00} from a teller using a fake id. So that was a total of XXXX from that account on XXXX. I immediately called Chase to report the fraudulent activity. The customer service representative said that Chase would suspend this account and I should go to a branch to open a new account. 

On the morning of XXXX I pulled up my Chase business account online and saw that there was an unauthorized withdrawal using a deposit slip of {$10000.00} at the same XXXX XXXX bank branch. So this is the THIRD unauthorized transaction on XXXX in XXXX XXXX. I immediately called Chase and they told me to go to a branch to close this account and open a new one. 

I went down to my branch on XXXX and filed XXXX fraud claims : one for the XXXX and XXXX unauthorized transactions on my personal checking account and XXXX for the {$10000.00} unauthorized withdrawal on my business account. Both accounts were closed and I opened XXXX new ones. 

After several calls with Chase and faxing several affadavits, Chase has refunded the {$3000.00} ( ATM transaction ) and the {$10000.00} ( unauthorized business withdrawal ). They refunded the $ XXXX because the signature on the withdrawal slip at the bank was clearly not my signature. 

After XXXX separate appeals Chase has continued to deny the claim for the remaining {$8200.00} because it was " a pin transaction '' This despite the fact that the {$3000.00} they refunded was also a PIN transaction and they alerted me to all this fraud to begin with. They told me my only recourse was to file a police report which I did on XXXX. The police detective said he was optimistic that they would be able to get video footage from the bank to prove that this was theft. However, he said it could take a while because Chase is " notoriously uncooperative with police investigations. '' I do not yet have an update on that investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank is absolutely terrible and releasing consumers mortgages once they are paid in full. They are not following the 90 day Federal Regulation to release mortgages within 90 days of payoff and it is very frustrating for consumers to have this cloud remaining on their title years after the mortgage has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Razor Capital, LLC
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:
XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I opened up an account with {$25.00} under my business name XXXX XXXX XXXX XXXX with Chase Bank online as local branches were not open to customers. On XX/XX/XXXX and XXXX I deposited {$2500.00} into my account for a total of {$5000.00} to cover business checks I wrote to cover contractors. On XX/XX/XXXX the contractors in which I wrote the checks too contacted me to tell me my checks bounced and they are getting returned check cost. I contacted Chase to why checks bounced and i was unable to access any of my accounts online. The Chase representative stated my account was restricted and being closed, When I asked why she told me she didn't know and by law doesnt have to tell me. I asked how to retrieve my money that I have deposited and owe my contractors, she directed me to banks that couldn't help me even after I explained the traveling expense involved. She told me that she spoke to the location and its all setup for me to withdraw my money, half way to the location i get a call from the location stating they cant help me that i need to go to another location. I did travel back across toll bridge to other location to receive to withdraw my money. When asked about reimbursement for my contractors bank fees i was told they cant do anything about that. My account was funded and had enough to cover my checks, i wasn't notified that my account was restricted until my contractors told me my checks didn't clear. I personally feel this was retaliation for submitting 2 CFPB complaints on Chase over the last few months. Consumer XXXX should not be allowed or tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: NC
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 sent a credit report dispute to Equifax on or around XX/XX/2019 requesting them to delete an account that is listed as a collections account because the debt collection agency is not licensed to collect debt in the State of North Carolina, the state in which I am a resident. Equifax completed its investigation and did not delete the account, but instead updated the entry and updated my address. Information on this dispute is as follows : Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Amount Owed Being Reported : {$340.00} I am attaching a copy of my NC driver 's license as proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: GVA Holdings, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been receiving threatening phone calls where the person impersonates a warrant officer. She has called my parent 's and brother on their cell phones and impersonated being a warrant officer. She claimed that she served me a warrant over the phone by leaving a voicemail. These calls have occurred daily since XX/XX/XXXX through today ( XX/XX/XXXX ). I've tried to call the numbers back - each time she calls she uses a different number from a different state - when I try to call back the line is " not active ''. I've also received 2 emails, XX/XX/XXXX and today XX/XX/XXXX, that state I will be charged with " Violation of federal banking regulation act 1983 ( C ), Collateral check fraud, and Theft by deception ( ACC ACT 21A ) '' if I don't email back within 24 hours. They don't give a phone number or a company name. The email is signed by : Senior Investigation Officer ( US ), Department-Laws & Enforcement, United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received Funds that I did not request, in my checking account on XXXX XX/XX/2023 from a company called Lendumo. I DID NOT make a request for these funds. Since, with contact with this company, I learned this is a short term high interest rate installment loan. I did not verify any information with this company. 
I did not sign any loan aggreement. 
I do not have an account with this company or site log in, and am not creating one due to identity theft concerns. 
I have attempted to return the funds sent to me. There have been three attempts that have failed. Its is odd each time funds were available and the amount account not frozen. 
I have filed a fraud complaint, opened new accounts and awaiting this company to withdraw their funds to close the account involved. 

I am thinking now after days past that this isn't a matter of a person stealing my information as much as this company. I filed a police report at their request and a report with Identitytheft.gov.. Forwarded the same to Lendumo, yet they persist with collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital One XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax data breach I never recall giving permission to Equifax ( or XXXX, XXXX or XXXX ) to have, hold and steward my personal information. They had a data breach of my personal information and now when I need them the most to place a TIMELY credit freeze on my information, I ca n't get it done online or via phone utilizing THEIR processes. Meanwhile everyday that goes by, I am exposed!! This is unacceptable correct? Additionally, due to THEIR failure I am forced to place a freeze with the other three agencies all of whom want to charge me money to do so. How is that fair to me as a consumer??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have contacted XXXX XXXX   several times. 
I wish to settle my student loan amount I have a loan amount right now that totals {$56000.00} I don't believe it to be fair or accurate to be charged such a high amount when I went to a private college where none of the credits are accepted anywhere. 

I understand that it is my responsibility to pay the student loan and I agreed to do so however I would like to do so by settling it completely instead of it accumulating more interests and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CLX Systems/ Westwood Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I obtained a loan from XXXX in the amount of {$600.00}. I was making payments to them and unfortunately I had to close my bank account. XXXX sent my file over to a collection agency that is called Westwood. They threatened to take me to Jail, to sue me and to file legal action against me. When i asked the representative at XXXX to email me my file so I can review it he told me to shut my mouth. XXXX also contacted a family member of mine and left a voicemail disclosing personal information regarding my debt. When I told the representative they are not allowed to do that he told me they are going to take me to court and im going to lose and he is going to take the money from me. He refused to give me the companies business license and refused to provide me an address for their business. I dont have an issue paying my debt off, but I will not be threatened and harassed.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-26
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
i can not use the card to make any purchase. They say i cant use any kind of money transfer service. So even though im using XXXX to send money to a company or putting money on a prepaid phone plan its not allowed

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: 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: Account information incorrect

Complaint:
The total balance of the XXXX XXXX was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of transition, XXXX, and XXXX. Tried to resolve with XXXX but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.

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 2019-03-15
Company: Midwest Recovery Systems
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:
Midwest recovery systems all of a sudden appeared in my credit file. Company stated that I owe an online advance from XXXX!!! Never had shown up until XX/XX/XXXX. I called company and they refused to verify social sec # or any info to prove it belonged to me. I was told that I would receive a packet " fraud affidavit " and to fill out and return. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The backstory as I've been able to find out to date is I was refinanced into a XXXX HELOC from Pentagon Federal Credit Union of {$75000.00} in XXXX. I think this loan was originally for a much smaller amount but I was XXXX on active military service and the loan needed servicing which I was unable to personally take care of. So I ended up setting up an automatic payment HELOC with the objective to fully pay it off when I sold my current home. Approximately 3 years ago Penfed advised me my $ 150 monthly payment was not covering interest so I upped the automatic payment to {$200.00}. About six months ago, PenFed said the interest on the loan was not being covered. I personally tried to do something to get this loan into more manageable status. I am retired from military now but work on landscape jobs and was busy getting ready for my next season of work amid the developing pandemic crisis and look after my aged mother 's safety. So I continued to do the auto payments. 
So now, what happened is I received a computerized payout on Monday, XXXX XXXX advising me the HELOC was due XXXX XXXX for principle and interest of {$51000.00}. I was shocked and surprised as I was trying to continue working. I took time away from my business to call many places at PenFed and have documented the email and phone contacts. It was not a satisfactory process. I am trying to refinance the HELOC and have not yet been able to talk to the right phone contacts. When I personally ended up taking the risk to visit PenFed on Sat, XX/XX/XXXX I was advised their loan dept would be open again after the XXXX XXXX XXXX. Which is where I am now. 
I intend to try to pursue a refi and a mortgage that will include payoff but it's not going to begin to happen by XX/XX/XXXX, less than a week now. This at the least presents an entirely unreasonable way to settle the loan payment which I am responsible for. I can pay more, I have a good credit rating which I've worked diligently to acquire, at XXXX as of XXXX XX/XX/XXXX. However, it looks necessary to start the complaint process to protect my interests from further unreasonable and unnecessary exploitation and stress.

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