BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to get my Equifax report for XX/XX/XXXX and was given a message that my credit report could not be delivered online. Same happened in XX/XX/XXXX. And XX/XX/XXXX ... And so on. 
I have n't sent my written request yet for XX/XX/XXXX, but will do so. However my XX/XX/XXXX request took a _long_ time and they still did n't acknowledge my disputes. Equifax also require copies of sensitive personal documents to be sent through the mail before seeing the credit report, thus exposing users to extra risk. 

Equifax are actively trying to game the system by making it as difficult as possible to get credit reports which I have a right to see and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, 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 explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax shows all of my open accounts as last reporting/updating as of XXXX and XX/XX/2021. Even my current report, as of XX/XX/2021 shows incorrect reporting data. I've reached out to my creditors and every company informs me that they report EVERY month and have obviously reported properly. 

My report also shows an account twice from XXXX XXXX XXXX which has been in dispute for fraud as the account was opened fraudulently. I've filed a police report with the XXXX, an FTC Identity Theft Report for that. 

With this issue, Equifax is falsely providing an incorrect credit score to any potential creditor with not updating my accounts properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process. 
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy. 
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights. 


Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received phone calls at least twice a day every day. I have written letters to request validation of the debt and no reply. I have never had a XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$0.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNTS -- 2. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

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


-- COLLECTION ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB : We discussed the matter with a lawyer. He says this is a case of a loan-sharking and an armed robbery abusing escrow & foreclosure procedures. Victims count millions. 
Chase paid {$43000.00} for our taxes since XXXX, and we paid back as below. 
Chase paid We paid Escrow Balance XXXX XXXX {$7500.00} {$7500.00} XXXX XXXX {$7600.00} {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$11000.00} {$11000.00} XXXX XXXX {$4800.00} {$6400.00} XXXX XXXX {$1300.00} {$7800.00} XXXX XXXX {$5800.00} {$1900.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$8000.00} {$8000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$1000.00} {$1400.00} XXXX XXXX {$1400.00} {$42.00} XXXX XXXX {$6800.00} {$6800.00} XXXX XXXX {$1500.00} {$8400.00} Now, Chase is demanding us to pay ~ {$35000.00} : total ~ {$80000.00} = {$43000.00} + ~ {$35000.00} whereas : ( 1 ) as of XXXX/XXXX/XXXX, our mortgage is current and the balance is {$350000.00} on Chase 's book as {$350000.00} on our book ; ( 2 ) our payments have never been late and we are not in default ( see Book XXXX ). 
We do n't owe ~ {$35000.00} to Chase. 

Chase says if we do n't pay XXXX {$35000.00}, they 'll put our house on sale and steal {$300000.00} in equity. 
Apparently Chase is doing an armed robbery by abusing foreclosure procedures. 
Chase says they are following " the investor and lending guidelines. '' If so, the investor and lending guidelines they wrote are unfair, predatory, and criminal. 
If the court examines their investor and lending guidelines, it will find numerous violations of consumer protection laws and other laws. 

Did n't Chase do kickbacks and steal $ XXXX from homeowners a few years ago according to their investor and lending guidelines? 
Has n't Chase been doing loan modification frauds and stealing $ XXXX HAMP money from the government and homeowners according to their investor and lending guidelines? 
Has n't Chase been abusing foreclosure procedures ; harassing & threatening homeowners, and stealing $ XXXX from them according to their investor and lending guidelines? 
Has n't Chase committing numerous tax frauds according to their investor and lending guidelines? 
For these and other criminal practices President/CEO and Executive Teams of Chase Home Finance LLC shall end up standing a trial in a criminal court. 

Following the lawyer 's advice, we informed Internal Revenue Service ( IRS ), the HAMP administrator, and media outlets of Chase 's accounting problems, kickbacks, escrow abuses & loan-sharking, frauds in loan modifications and possible tax frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I lost my home to forclosure, applied for loan with my local XXXX in 2008, they sold loan to phh mortgage at closing apparently, notice was given that our server was being changed from mortgage services to phh mortgage services same telephone number for both At closing we paid a full year of insurance up front, the originator XXXX XXXX presented himself as XXXX employee although he was registrated with nmls working for phh. Despite the fact I 'm told a corespondent leader could n't work for a XXXX lender at the same time in ct, XXXX became the investor and said they were involved with loan from beginning. Phh said it was n't XXXX, XXXX said they were and we never Had a true opportunity to modify our loan and yet my credit report said we had an partial payment agreement, I wish I could understand what happened so I can move on with our life, phh sent us a lettler our payment went up for lack of insurance then a lettler came that said their records show we had insurance with XXXX and they had n't received our permission to change it we had our insurance with XXXX which they paid out of funds from closing! When I failed to get anyone at phh to resolve this I called td bank na well they were baffled said the did all there closing in the bank and not at an lawyer office in which our took place they said phh had done some work for them but could n't verify our originator. If anyone could explain this relationship phh td bank XXXX I would be greatful. Oh also at one point I was told our escrow account was in the negative then while we were in court I received statement with XXXX. Dollars in the escrow, well they got it I wish I had my wits to fight

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
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: Information belongs to someone else

Complaint:
Hello, Transunion, XXXX and XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized/Fraudulent Collection & Credit Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts that are listed below. You have stated that you are working on a resolution. That was a long time ago and I am still suffering from your negligence. you have aided in ruining my credit file, harrassment from compnaies I know nothing about or have done bunsiness with. 
Thi is a a demand to ahve any and all account disputed effectively removed without prejudice. You must provide documentation as of its accuracy or remove it immediately without prejudice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
blue bird american express on XX/XX/2020 credited money to my account for a refund then removed it and put the refund on hold that company has done this before without explanation this is fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transuinion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering. No notice was ever received, which is also a violation and I am requesting that the following inquiries be deleted and/or removed : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of i dentity theft enclosed is my police report and identity theft affidavit. please remove and block and delete fraudulent files from my 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for, and received, PSLF through the temporary waiver. 
I was working with both FedLoan servicing and Federal Student Aid to try to resolve this case.

I have applied for RECONSIDERATION on the FSA website. There has been no resolution and I get emails telling me I can reapply for reconsideration. I have sent many notes/complaints and emails. I have called innumerable times, but most recently on XX/XX/XXXX when I had both FSA and FedLoans on a 3 way call. Both stated they could not help me and blamed the other as the one in charge of fixing the problem. In essence, both refuse to help. They tell me neither can resolve this claim-. 
( case # XXXX XXXX, XXXX, XXXX, XXXX ) I began paying my loans in XX/XX/XXXX. The PSLF program began in XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX, I was employed at XXXX and XXXX XXXX. Both are XXXX XXXX XXXXXXXX entities and have been certified as such by FSA and FedLoans. My jobs were but deemed eligible by FSA and FedLoans. My loans were forgiven under the PSLF waiver.

My loan DISCHARGE date is incorrect and all my loan payments were not counted. 

I made 175 payments, which is 55 payments over the necessary 120 payments for PSLF. 

Essentially, my payments from XXXX were NOT counted/certified by FedLoans.They refuse to go back and certify these payments as my case has been " closed. '' I can not get a refund because no one can certify these payments, though both FSA and FedLoans tell me they see the payments, and that I am owed this money.

My discharge date is INCORRECT. It was set as XX/XX/XXXX. However, 120 payments starting in XX/XX/XXXX would make my discharge date XX/XX/XXXX. That means payments from XX/XX/XXXX to XX/XX/XXXX are over the 120 payments and should be refunded to me. 

I am owed a refund for the overpayment of 55 payments under PSLF program. I paid approximately $ XXXX per payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
national credit systems claims I owe XXXX to XXXX XXXX. I do not owe any such debt. if anything I am owed a security deposit refund. no proof or explanation has been provided to verify any such ccharges or claim exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi I used PayPal on XX/XX/XXXX to receive funds from a buyer for some furniture that I was selling. The buyer sent the funds to my PayPal account XX/XX/2020 Payment from " Buyer name removed ''. PayPal has held the money stating that the amount of money sent to me was unusual for the sender. That said, they have had twenty days to contact the sender to verify that the sender had intended to send the money. They have done nothing and have not released the funds to me. 

They are totally unresponsive through the PayPal customer chat service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My applications for Apple Card by Goldman Sachs have been repeatedly denied because they have claimed that they are not able to verify my identity. 

Following my initial complaint with the Consumer Financial Protection Bureau, Complaint ID # XXXX, the company, Goldman Sachs Bank USA ( the Bank ) , first offered me a 14-day period to reapply for the Apple Card by email on XX/XX/XXXX. I received a call the following Day on XX/XX/XXXX from Apple Card support notifying me of their invitation to reapply. I was not interested in reapplying for the Card on XX/XX/XXXX, and so the Bank, moved to close our case with the Consumer Financial Protection Bureau the following day. 

The case Complaint # XXXX should not have been closed because the issue has clearly not been resolved. My 14-day period to reapply has been effectively reduced to 2 days. I have since reapplied on XX/XX/XXXX, and today, XX/XX/XXXX, was denied the Apple Card because the Bank is unable to verify my identity.

Company response to consumer: Closed with non-monetary relief