BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH INVESTMENT RETRIEVERS IN, FOR ( {$2200.00} ) ISN'T MINE. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX  Account NumberXXXX Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CITIBANK, N.A.
State: WI
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:
Account has been paid in full, but it still shows as unpaid.

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 2023-06-28
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent correspondence to XXXX XXXX XXXX XXXX asking to validate the following account : XXXX XXXX XXXX was the original creditor. XXXX XXXX XXXXXXXX is the debt buyer. The actual collector for XXXX XXXX is Resurgent XXXX of which I never received notification asking to resolve the debt, notification came only from XXXX XXXX XXXX XXXX ( dated recently as XX/XX/23 ). 

They simply listed the amount owed as {$680.00}. The previous balance of {$620.00} ( the amount that should have been itemized had " Fees charged '' and " Interest charged '' added to it to reach total of {$680.00}. I am requesting full itemization that leads to the previous balance of {$620.00}. This would include items such as credit card charges, payments, or credits for example. 

I also feel that this account should be removed from any credit reporting until or unless full validation is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Resurgent Capital Services L.P.
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 was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 


Account info Account name XXXX FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  account. {$1.00}, 036 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 2027

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: American First Finance, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XX/XX/XXXX i received a letter stating I was denied credit with no credit score now I have a hard inquiry on my credit without proper consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I ordered a my XXXX report and noticed a unauthorized hard inquiry from Capital One on XX/XX/. Prior to applying for a credit card with Capital One, I called and spoke to a representative. I was informed that a soft inquiry would be ran. I explained that I wanted to verify before applying because I don't want any hard inquires ran. I was reassured that it would not be hard. I was shocked when I viewed my XXXX report to see that it was a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX of the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX are XXXX legal residents whose name is in the Deed and they have been maintaining their residence here since XXXX. 
Recently XXXX XXXX passed away, at the time of her death she was in active XXXX after her XXXX XXXX  was dismissed. Her XXXX stayed the XXXX attempt by Select Portfolio Servicing. 
Unfortunately, XXXX XXXX, a law firm representing XXXX  notified us that our property was scheduled for XXXX on XX/XX/XXXX we didnt receive the letter until XX/XX/XXXX we werent given 30 days as per FDCPA to verify the debt. Soon after learning about the sale date we have written to XXXX of SPS  their XXXXn Department and send some document to show the proof of XXXX XXXX death along with some documents to show that if we get one postponement we might be able to secure the finance to pay off the house furthermore we send a prequalified letter to show we have a qualified buyer who is ready to buy the property. But to our dismay they are pursuing XXXX with no interest to help us retain our home. Their XXXX Department is supposed to help consumers, but their act makes them look like they are ingenious, and they have no intention to help consumers. It's a shame. 
We like you to help us with this difficult situation to save the roof over our head while we are mourning for our loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: U.S. BANCORP
State: CA
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:
My complaint is against US bank and how they mishandled a stop payment which caused a {$2000.00} deduction from my account. I scheduled a payment through an App with XXXX XXXX on XX/XX/23 and when I entered to submit the application it did not return a 'correct ' to check for accuracy but took out two payments totaling {$1300.00} for the month of XXXX and XXXX. I was attempting to only submit one payment in the amount of {$660.00}. XXXX XXXX stated that I would need to call my bank to stop the payment so I called US bank to stop the payment and they said as long as the payment is not pending they should be able to stop the payment. The first representative I spoke to said that I would need to cancel my debit card to stop the transaction from going through. So, the debit card was stopped and I had to go to a branch to pick up a temporary card. I was never asked by the representative if it was through the checking account or was it a debit card transaction. The account was set up through a checking account number. The representative ; XXXX XXXX did not ask if a bank account vs a debit card was used. Because he cancelled the card I had to walk into a branch to retrieve a temporary card and this did little to resolve the situation. A stop payment should have been offered. So, I called the bank a 2nd time and explained that XXXX XXXX had cancelled my card which would not stop any transactions from coming through. I then called back and spoke with a representative who put through a formal stop payment and was told that as long as the amount was not pending I would not have any issues with the amount of {$1300.00} posting. On XX/XX/23, the amount posted to my account. This has caused a great deal of stress, inconvenience and monies that are now coming out of my account and US bank is not taking responsibility for the role they played. I also show that the stop payment was cancelled by them and the monies where taken from my account. The bank is maintaining that the {$1300.00} was posted because they were unable to catch it but I believe it was their error because the stop payment was cancelled ( see uploaded image ), the bank will not admit that it was there error. The account statement showed that the original amount of {$1300.00} was removed and upon inspection of my statement/online account today I show that the {$1300.00} posted. Not only am I out of {$2000.00}, but am now told that the bank may take up to 30 days to return the money to 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 2022-12-05
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I disputed fraudulent charges last year which resulted in my favor. I have since been receiving notices saying there was still a balance of around {$300.00}. In XXXX I was told the charges were late fees from those original charges that were supposed to have been taken off. I have called in at least half a dozen times, spoken with at least 15 representatives, and no one seems to be able to resolve this issue. All these months later, The account is now on my credit report as charge-offs. The recording when I called said there was a payment made over {$800.00} and I didn't make that payment. When trying to get this resolved, they took it upon themselves to lock the account for 30 days while in review. They refuse to let me speak with any supervisor, or do anything about this problem.

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 2023-06-28
Company: NCB Management Services 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 have attempted to dispute hard inquiries and a collection through XXXX I wrote letter Ive reached to credit who informed me that a dispute must go thru XXXX however none of their investigations have yielded any results. I reached out NCB Management regarding this collection which is not my debt nor do I have any contractual agreement with NCB Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On multiple occasions, I have used the legal protection afforded to me as a consumer by The United States XXXX. I have filed multiple complaints through the CFPB stating Fair Debt Collecting Practices Act laws that MIDLAND CREDIT MANAGEMENT , INC has not abided by. I have mailed an Affidavit of Facts and have not received a response which has to be rebutted line by line with facts. Attached to the affidavit are exhibits with my proof. MIDLAND CREDIT MANAGEMENT, INC is not above the law. They are required by XXXX to follow the laws that have been written by XXXX. Not only does MIDLAND CREDIT MANAGEMENT , INXXXX not follow the laws created by XXXX, but they also threaten me and use profane language against me. I have been threatened with legal action multiple times. This is unfair and defamation of my character. My consumer credit report represents who I am. I have lost job opportunities and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; AR XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was written a check by a previous employer, XXXX XXXX XXXX Chase restricted my account until it could verify the check and the writer of the check. 

I have been on endless phone calls with my bank, Chase. They refuse to directly call the number on the check for verification purposes. They stated that they can only call verified phone numbers for the writer of the check, which begins with " XXXX. '' However, they have been bounced around between departments and when directed to XXXX, the company that writes the checks, they were unable to help. 

I have probably talked to 5 contacts from XXXX, and 20 from Chase, with no luck. 

I warned them that they have 7 business days to release my funds to me, or I will take legal action. They warned that my account would be closed in 10 days if this is not resolved, but they are refusing to try and resolve this. 

I want to file legal action against XXXX, Chase Bank, and XXXX, all 3 bodies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: IL
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/2023, my XXXX XXXX  login was compromised and I was contacted immediately. The checking/savings/debit cards were suspended and new accounts were opened. 
I had started an external transfer to Chase Bank ( not knowing of the XXXX issue ). 
Chase did not receive the funds and automatically received a fraud alert. 
XXXX provided a response to Chase on XX/XX/2023 to clarify that it was not fraud. 
Thus far, Chase has not released access to any of my accounts. 
Their XXXX XXXX Department is handling this matter. 
No one can contact that department. They rely on notating the accounts. 
I can not access/close those Chase accounts. 
Chase reps can see how many times I've called, and the notes. However, the " right people '' are not responding. 
I would like to access my accounts... .there 's been no fraud to Chase!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a Mortgage with Wells Fargo and I tried multiple times to get a loan modification and I was rejected due ti my race.

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 2023-06-21
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: Account information incorrect

Complaint:
My XXXX credit account shows incorrect information listed. This ACCOUNT shows PAID in full. please can u help REMOVE this account from my CREDIT REPORTS Thanks, 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