BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
since XXXX my accounts at Chase and every account I have with other agencies has been accessed without my consent over and over, sometimes at the ATM, but mostly my Slate card and sometimes my Freedom card. I report right away and Chase gives me temp funds. then, sometimes they reverse an And take funds away, leaving me overdrawn. Usually I still have my cards and most of them now have the chip, which is NOT fraud proof according to the internet. every claim i have made is true. i would have been better off to lie and say my cards were missing. now Chase has closed my credit cards. they are maxed out anyway and my credit score is down  more than XXXX points. 2 days ago Chase also closed my checking/savings accounts without warning. my credit is ruined and i can not pay my bills. I am paying off the credit cards for items that i did not purchase. I had a XXXX in XXXX and live on my XXXX XXXX. This series of events has caused me extreme hardship through no fault of my own. in addition to all of the bank fraud my apartment has had items stolen. i very much want to move away from here, but have no money to do that. it 's a nightmare.I filed a complaint here and the answer was that they are still looking into it. I will file with the Attorney General if I ca n't get all of my funds credited. chase should have protected me more instead of calling me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
I have contact Transunion in regards to the inquiry from XXXX XXXX. I have asked them to remove the inquiry because the company stated that they have done a soft pull on my credit report therefore it will not leave an inquiry on my report. I had expressed that I do not want an inquiry on my report. Transunion responded and said the typical language that they had investigated the matter and found that the inquiry was mine. This is obvious that they did not even read my issue and to prove that they did not do any investigation. I have used the address they had provided and received an undeliverable address message back.

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 2017-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Home Equity Line of Credit was set to expire in  XXXX   XXXX  &amp; increase payment from {$670.00} to {$1800.00} +. Requested information on a loan modification &amp; paid {$730.00} to get started. Submitted information including tax reports. My credit scores averaged  XXXX  and I have  0 m issed payments for any accounts in the last 7 years. My concern for being approved was debt to income. When I question the BOA modification ab out DTI h e said that " we can help most everyone. '' I then asked what the ratio was for DTI he responded that he did n't know or lied about not knowing. I asked another  Modification Specialist  the same question &amp; he said " only the underwriters know. " My income from Social Security is {$1400.00} &amp; rental income {$1700.00}.  XXXX   XXXX   XXXX  {$2400.00} &amp; BOA {$760.00}. The loan modification was denied on  XX/XX/XXXX  for insufficient income. After the denial I spoke with a different loan modification specialist and he was the first one who did n't lie. He said " there is nothing that can be done if the income is n't there. " The payment due on  XXXX  of {$730.00} was not made.   I spoke with a modification specialist who said I either pay the {$730.00} or it will be settled later. I was never told that if the modification was denied it would be reported to the credit bureau &amp; my FICO score could drop over  XXXX  points even after 7 years of  XXXX  late payments.   A  XXXX  denial letter from the  XXXX   XXXX ,  XXXX   XXXX  dated  XXXX  was received.   Since the case mgr. knows that a modification is not possible he is still still is requesting information to see if I qualify by  XXXX   XXXX ,  XXXX .   I received an appraisal report on  XXXX   XXXX  &amp; knew after researching BOA 's history, that this is the first step toward foreclosure. I am  XXXX   years old &amp;  have lived in this house for 29 years.   Out of fear, I made payments of :  XXXX  - {$690.00},  XXXX  - {$870.00},  XXXX  {$710.00}.   Payments are up to date.   Why is BOA continuing to drag it 's modification out if no other reason other than forcing a forecosure. I have read too many reports of applicants applying for a modification with good credit, current on loan being forced into foreclosure.

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 2022-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received and email from a XXXX XXXX with a telephone number listed as XXXX. The email is now gone. Not sure if they were able to delete the email. The phone caller did say that there was a money owed to me and was to return the sum of {$340.00}. I did ask him to send a check, but he said it would be easier if he put it in my bank account. He talked me into giving my info to him. He made an attempt to refund the money in my savings account only but instead created an illusion that I had made a mistake and entered wrong amount {$40000.00} that I had to pay back or he would put a freeze on my account. During the time he was fixing the issue. I did not know he was in my checking account taking money out. He had created this false page thinking I was looking at my own account which showed my total amount for that day. He said he could only take out {$25000.00} and wanted me to go to a XXXX XXXX to get 4/ {$500.00} money orders. Right then and there I had been scammed. I hung up but he kept calling me with the number XXXX. We must stop this type of scam. As he was talking I can hear in the back ground another individual repeating the same words as him to another individual they were scamming. Like No you have made a mistake, let me correct it. On that day as well, he had texted me at ( XXXX ) XXXX to send a copy of my Driver License, so I did. The program he had me use was XXXX XXXX XXXX XXXX. 
I did not authorize the wire transfer in question of {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I bought a 2021 XXXX XXXX in XXXX of 2021. XXXX XXXX has the loan on it and I have made all monthly payments to date. XXXX will not report this to the credit bureaus and as a result it has and continues to have a negative impact on my credit score.

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 2017-08-29
Company: CITIBANK, N.A.
State: AE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I viewed my credit report to find out me and my husband 's Best Buy credit account ( serviced by Citibank ) had been closed in XX/XX/XXXX causing his credit score to fall 23 points. We have had the Best Buy card  since XX/XX/XXXX and have never made a late payment. The account history is pristine. 
I immediately reached out to Best Buy ( Citi ) card services to see why the account had been closed. The Citi representative informed me the account had been closed because the USA Patriot Act required us to have a physical address on file. I explained to the representative that we are XXXX-XXXX military XXXX XXXX and that our Fleet Post Office ( FPO ) address is considered our physical address. She in turn said she understands our situation but there was nothing Citi could do. The USA Patriot Act prevents them from giving us an account. She also stated that once an account is closed it can not be reinstated. 
Afraid that all of our credit and banks accounts from several different banks would be closed ( XXXX, XXXX, XXXX ) I headed directly to the internet and read the USA Patriot Act. Section 326 of the USA Patriot Act expressly reads that Army Post Office ( APO ) and Fleet Post Office ( FPO ) addresses, which is what we have, FULFILLS the requirement of a physical address.

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 2022-08-31
Company: WELLS FARGO & COMPANY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : WELLS FARGO CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}

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 explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: MA
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:
my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.

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 2022-09-02
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been paying the invoice to XXXX monthly. On XX/XX/2022 I received an updated statement of my account that states the last payment I made was XX/XX/2022. On XX/XX/2022 I received collection notice for the balance. I want this off my credit as I have been making regular payments for this bill and when I went to make my regular payment the system denied me. The system never allowed to set up a payment plan as other medical systems allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: MA
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:
my car was totaled and I still owed money on the loan at the time of the claim. My car insurance and GAP insurance paid the remaining balance. This company is still reporting a negative remark on my credit and I want it removed. I've tried numerous times to get this resolved but have been unsuccessfull to get in contact with anybody.

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 2017-04-21
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I took a private student loan on  XXXX   XXXX ,  XXXX . I was supposed to start paying the loan in  XXXX   XXXX . My mother was the co-signer on this loan and she included this loan in her bankruptcy in  XXXX   XXXX . In  XXXX   XXXX  my mother dismissed her bankruptcy and contacted  XXXX , the owner of the loan at the time, to ask them to re-affirm the loan so we could start making payments. We were told the loan had been charged off and there was no way to make payments on the loan. I never made any payment on this loan and it went delinquent in  XXXX   XXXX . Recently I was contacted ( 7 years lat er ) b y  XXXX  different collection companies trying to collect on this loan. I informed all three companies that the statutes of limitation in California is 4 years and I have no legal obligation to pay this debt. I have asked all  XXXX  companies to stop calling me, however I continue to receive collection notices and phone call to my cell phone, home phone, and my mother 's cell phone. The  XXXX  companies are :  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  Phone number  XXXX . They are demanding payment of {$20000.00}  2 )   XXXX   XXXX   XXXX   ,   XXXX   XXXX .  XXXX   XXXX   XXXX , NY  XXXX  Phone number  XXXX . They are demanding {$16000.00}  3 ) U nknown company, received letter by mail with no Company address, Phone number  XXXX  Processing number  XXXX . They are demanding payment of {$19.00}.   I have copies of all three letters/notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : XXXX XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX  XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX   XXXX  not mine XXXX XXXX XXXX not mine XXXX  XXXX  not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  not mine XXXX XXXX   not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX. never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXXXX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXunauthorized

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 2021-09-23
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Sometime in XXXX or so a us bank card was opened in my name when I found out about it I reported it to the police and filed a report and a ftc report. The credit breaks removed it. Sometime in XXXX US Bank has been reporting back the the credit union as a valid account which is untrue. I need them to quit doing this immediately and remove it

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 2022-08-31
Company: JPMORGAN CHASE & CO.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX

Company response to consumer: Closed with explanation