BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
From XX/XX/2014 through and including XX/XX/2014 all charges made on my Southwest Credit Card issued by Chase Bank were fraudulent and made by another person. These charges are on Southwest credit card numbers : XXXX as well as XXXX. Chase Bank did not fully check to make sure these newly issued credit cards were being used by me. They disregarded all indications that there were fraudulent multiple transactions with the same amounts and large daily amounts. They willfully and wantonly disregarded for their own benefit turned a " blind eye '' to these fraudulent transactions. The XXXX XXXX New Jersey Police Department has issued a police report signed by Officer XXXX XXXX XXXX and reviewed by Detective XXXX XXXX XXXX. A copy of the police report is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
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 status incorrect

Complaint:
I got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!

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 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion Is reporting a debt that original creditor sold to a debt collector. Balance is also incorrect as I have proven documents proven that debt is lower than showed amount on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently disputed the following accounts but all three credit reporting agencies closed the investigation and said the following info was accurate when in fact it was identity theft. I attached the companies response below.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Data Search NY, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2019, I received a citation about a lawsuit being filed against me on behalf of XXXX.The suit was brought by XXXX XXXX  XXXX on behalf of XXXX XXXX  as plaintiff. SXXXX XXXX XXXX is a law firm acting as a debt collector. 
I called XXXX XXXX and they said they had referred the account to a third party debt collector, TrakAmerica and that I had to call them about the account. I had many discussions with TrakAmerica ( I had never received anything in the mail from them ).  They claim they are not a debt collector, but that they refer accounts for their clients to debt collectors. They said that XXXX XXXX still owns the account. They said I would have to contact XXXX XXXX XXXX about the account. 

On or about XX/XX/2019, I mailed a certified letter ( tracking XXXX XXXX XXXX XXXX XXXX ) to TrakAmerica, requesting validation that they had the authority to collect this debt ). I received no response from TrakAmerica. 

On XX/XX/2019, at @ XXXX XXXX, I spoke to XXXX XXXX who stated she was a manager at TrakAmerica. I thought when she answered the phone that she said her name was XXXX XXXX. I was transferred to her by XXXX who answered the phone after a 45 minute wait time. I found out from XXXX that TrakAmerica does not send out collection letters or collect debts. That they just refer accounts to debt collectors, in this case XXXX XXXX XXXX. I was not aware that it was legal for a third party, who does not own the account, to refer an account for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep getting calls from a company claiming to b e Wakefield and Associates, from   the number  XXXX   XXXX   XXXX   XXXX   XXXX  about an attempt to collect debt. I am not delinquent on any debt and have checked my credit report. I am in good standing on every single loan I have. They have not sent mail about what I supposedly owe and they do n't answer when I call back. They have called last night at  XXXX   XXXX  on a Friday, again on  XXXX / XXXX / 17 , and on  XXXX / XXXX / 17 . They are well past the 5 day limitation for sending a letter to explain what I supposedly owe. I think they are a fake company because the number does n't match what is listed on their website.

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 2019-12-07
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 Dispute to verify debt with credit bureau XX/XX/2019 Another dispute sent due to no response XX/XX/2019 3rd dispute to investigate the verification process XX/XX/2019 Responded to letter as they have not sent proof to verify the debt XX/XX/2019 Sent letter directly to Creditor and letter was returned to sender as the address they are reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint as my self Experian had placed 15 un authorized inquiries on my crdit report Reported inquiries without my written consent a violation under 15usc1681 ( a ) ( 4 ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.

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 2022-04-07
Company: Fidelity National Information Services, Inc. (FNIS)
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 am a victim of fraud and the account in question is not mines. 

Chex systems  : XXXX/account # : XXXX Amount : XXXX Date : XX/XX/2017

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 2017-06-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I n  XX/XX/XXXX  the re was a HSBC credit card opened in my name, when I found out about the credit card I took immediate action. I contacted HSBC to inform them the account was opened illegally and that I would be sending a police report over to confirm what I was saying. In  XX/XX/XXXX  and in  XX/XX/XXXX I sent an Affidavit of fraud along with a police report to help me get this off my credit. The company stated that they never received the package which is untrue because someone signed for the information. In  XX/XX/XXXX  the debt was sold to  XXXX   XXXX   XXXX  and when I learned about this, I contacted HSBC to inquire about it. I spoke with  XXXX  and he was unable to bring up any information in regards to the account and stated that the collection agency should not be collecting on an account he cant bring up. The worse thing about this, is every time I dispute this account with the credit bureaus, HSBC always verifies the account which is strange because they could n't even bring up the information when I called to inquire about the account. This negative account has prevented my from taking out a student loan to continue my daughters private school education and it has also prevented me from moving my family into a better community. The company recently sent me a letter stating that they have closed the account and all collection activity will stop, however the damage has already been done. This company has been trying to illegally collect on an account that is n't even mine. They continued to verify the information with the credit bureaus, when in fact they have n't been able to prove this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern, I am writing this to submit a formal complaint about XXXX XXXX XXXX formerly located at XXXX XXXX XXXX, XXXX, GA XXXX. They have falsely reported the amount {$6100.00} to the credit Bureau. I have never not paid my rent. I had no damage to my apartment. When I moved from XXXX XXXX I did not owe them any money for anything. In fact, the apartments owes me my initial rent deposit. When I moved in to the neighborhood I made a deposit for my apartment at XXXX at XXXX XXXX. After 7 years of residing in the community the company known as XXXX XXXX bought the neighborhood from XXXX at XXXX in approximately the year XXXX. When it was time to renew my lease I decided not to renew and to ultimately move out because the new owners XXXX XXXX XXXX management was aggressively harassing and bullying the residents to pay them extra money that the residents didn't owe. My rent was {$560.00} in XXXX for a 1 bedroom apartment. When they wanted me to renew my lease they told me that my renewal rate would be {$1200.00} per month for my apartment. So I moved out then they processed a false eviction and sent it to me and the court in XXXX XXXX. When I moved out I did not owe them any money at all. They were trying to renovate the apartments they were trying these tactics to gain money for the renovations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When trying to retrieve my free credit report from XXXX, I am unable to collected it from Experian. I receive this message for both myself and my spouse. 

A condition exists that prevents Experian from being able to accept your request at this time. 

I have no issues with XXXX  or XXXX  as far as I can tell. I have not been able to collect my Experian request online in several years now. I also do not appear to be the only one and see several issues about it online.

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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Unauthorized inquiries on my consumer credit report. In direct violation of fdcpa, fcra, state and federal laws.

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 2018-05-31
Company: Experian Information Solutions Inc.
State: FL
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:
Over 30 days ago in XX/XX/XXXX, I disputed an inaccurate account with Experian regarding XXXX XXXX Bank account number XXXX. Experian responded in XX/XX/XXXX by saying they had completed their investigation into my dispute and updated the status/account/information. Because they did not accurately investigate my dispute by looking at actual documents from XXXX XXXX bank to validate the accuracy of the information, Experian reported on my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. Because of Experian 's blatant error and disregard for the law, this information negatively impacted my credit score and I am in the process of purchasing a house. I was forced to file a complaint with the CFPB ( XXXX ) on XX/XX/XXXX. Experian then responded that they now need EXTRA time to RE INVESTIGATE my dispute by contacting the data furnisher to verify accuracy. IF Experian had verified the information of my dispute in the first place, they would have NEVER updated my credit report in ERROR. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 because, through their response to my complaint to the CFPB requesting additional time to re-investigate, they have ADMITTED that they never investigated my dispute in the first place. This is against the law, but more importantly, you have affected my credit due to your lack of investigating. You do not get extra time! The law was clear, you had your time to investigate my dispute and CLEARLY YOU DID NOT. There are no redo 's! You NEVER validated anything with XXXX XXXX, so this account needs to be deleted IMMEDIATELY because we are way past the 30 day investigation period.

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 2021-04-07
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
account PAID IN FULL. disputed A MILLION TIMES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

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 2017-06-06
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made purchases for collectible coins with the  XXXX   XXXX  totaling {$7200.00} in  XXXX   2017 on m y  Fidelity Rewards Visa Signature c redit card which offers 2 % reward points. When I noticed that I did not get the rewards points, I called them and inquired. They said purchases from the  XXXX   XXXX  is a cash transaction and not a qualifying purchase. I explained that I purchased collectible coins rather than currency. The representative said she understands but there is nothing that she can do.

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 2018-04-14
Company: Avant Credit Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I applied and received a loan from Avant on XX/XX/2015 for the principal amount of {$9000.00}. 

During the course of the loan, I failed to make payments for nearly a year. Afterwards, I brought the account current, and have kept the loan current for the past 14 months. I have paid all additional interest, late fees and other charges as outlined in the agreement.

for the past 8 months I have been requesting an updated amortization table that outlines the additional interest I will be paying due to my late payments, the total cost of the loan and the last payment date.

Initially, Avant responded with an " updated '' schedule. After review I found it to be incorrect, and it was blatantly obvious they filled in random amounts. I responded asking them to fix it - to which they replied, some time later, with the same table, which was still incorrect. 

More time went by and a new representative provided me with a new table, but it was still incorrect! As 3 or so months had gone by at this point I demanded to be provided with the information of my loan in its current status. For all I know, they are charging me unlawful interest, penalties, etc that I would never know about! After reviewing payments in their online system, the payments over the last 14 months or so have been 100 % interest, and not a penny has gone to principal. How am I supposed to know where my payments are going if they can't provide this information? 

Finally, another 3 months had passed without any contact from them, despite me emailing constantly asking for a resolution. Yesterday, they responded saying that they are unable to provide this information to me - how can that be legal?!? 

I am attaching all emails, and documents they have provided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Revenue Assurance Professionals LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit have been drastically affected by a debt that I am not responsible for. Received a letter XX/XX/XXXX stating I had a balance. In XX/XX/XXXX I notified them of a court order where I was only responsible for 50 percent of the kids medical bills and any bills occurred during marriage They still continued to contact me constantly. I was never notified of pending balance before collections. I requested validation and they sent another bill and failed to follow FDCPA laws I paid over half of the bill to XXXX which I was not responsible for while waiting validation. XX/XX/XXXX I received another collection bill addressed now to my ex husband who is responsible and I sent info on how o contact him for this bill he is responsible for. This is now unfair harassment, failure to follow court order, failure to follow FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello there, I am trying to work with Quicken Loans, its 3 days before closing, and Quicken has informed me I must come up with an additional 5 % down to get this loan. They have stated that the HOA on the condo is short .03 % in reserves and therefore I must come up with another {$12000.00} in 3 days to close the loan. I have had ALL my documents in ON TIME and signed mortgage disclosure, locked in the rate, and all other requirements to satisfy the loan. They DID NOT do the proper due diligence on their side in a timely matter to close this on time ( XX/XX/2019 ), the whole while saying I could sign on XX/XX/2019 and close on XX/XX/2019. They came up with several last minute problems to cover their lack of timely due diligence. Also, my current home has a loan with Quicken Loans and has a tenant moving in 5 days. Therefore, I will have to stay in a hotel and move my personal belongings into a storage unit. 

1. They sent an appraiser out to my current address, on Sunday morning prior to close, and never communicated this to me and he could not get access to the property through the guard gate. He never left a card and I could not contact anyone at Quicken loans to clarify this matter or even call him back. 

2. They came up with the HOA shortage 3 days before close even though they had contacted the HOA several weeks beforehand. 

All in all its costing me twice as much in down payment and closing costs to get this done and 24 before I was supposed to sign documents and 72 before close of escrow. 
That said this is a major financial, emotional and physical constraint for me at this time while undergoing XXXX.

Company response to consumer: Closed with explanation