BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-26
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX I registered for a credit card from Home Depot, XXXX XXXX XXXX, XXXX XXXX, TX XXXX with purchases totaling {$5.00} to be paid when the credit card was received. When the credit arrived in XX/XX/XXXX. I made the {$5.00} payment by phone. They would only accept my Credit Union check ID #. No receipt, or confirmation # sent to me. I called to inquire about a receipt in XX/XX/XXXX and was told that I had a late payment of {$7.00} & that my check was not cashed because I left off XXXX XXXX in front my ID #. I was not notified because they claimed not to have my contact info. They did have my address. I gave them my ID # again with the XXXX XXXX. Meanwhile my Excellent credit report was affected & reduced, I called again in XX/XX/XXXXasking for a confirmation and was told that I now have a {$9.00} late fee because my bank would n't honor my check ID #. They never contacted me or my bank. I cancelled the Home Depot credit card. Today XX/XX/XXXX I received a letter, even though they said they had no contact info. for me, saying that I now owe a {$11.00} late fee. This time they asked for my debit card # which I did n't trust them to give. I went to Home Depot to pay cash and was told by customer service that " Citi Bank '' would have continued to increase late fees if I had n't come in to pay in cash. I received a receipt from the XXXX. store and had to call XXXX on the phone for a confirmation # and asked them not to bother me again. But tonight I went to the Home Depot web site and saw that they still say that I owe {$11.00}.

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 2017-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies

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 2022-10-29
Company: Upgrade, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Upgrade Credit card reports the wrong amount. {$11000.00}. My current balance is {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Account status incorrect

Complaint:
I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.

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: Collection Management Holdings, LLC
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: Credit inquiries on your report that you don't recognize

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 written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit planas as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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 written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit planas as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX hospital because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my experian report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my 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 2017-08-27
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: Information belongs to someone else

Complaint:
By law Equifax has XXXX to provide valid signatures on all accounts being disputed. they failed to do so. they now are in violation and will be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-03-07
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
I was part of the Equifax cyber security breach that affected over 140m consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX CLAIM number while i was working overseas in XXXX someone broke my safe in my room and took my debit card and started using it i visited my family in XXXX XXXX BECAUSE OF THE US sanctions with XXXX i coundt check transaccion / statement and had covid in quarentine i reported ones i was back in XXXX. i have filled a police report i have stated 100 times i didnt authorized nobody to use my debit card i want an official investigation or to go to adjudication. i have tried contacting the companies that where charged and was advised there where shipping to a forwaring company in XXXX and somewhere in XXXX not even my address. i returned to the us on XX/XX/XXXX. 
please help

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 2017-08-27
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:
TransUnion Closed the disputes as valid and failed to remove the accounts that were fraudulent and they claimed they verified the accounts and provided me no such proof. This is by law a violation. I 'm attaching the documents that they have not responded to timely and are in violation of the law and I will be pursuing lawsuits unless they remove the accounts.

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 2017-08-27
Company: American Recovery Service Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collector American Recovery Service Incorporated XXXX XXXX XXXX has been harassing, demonizing, stalking and threatening me for years. It appears that they are part of a criminal racket which is money laundering for drug cartels. i : have indicated to XXXX that i : never borrowed any monies from whoever they claim that i : borrowed money from. In fact, recently, i : did an investigation and found out that my identity has been stolen. When i : saw that there are XXXX different types of my name XXXX not a single XXXX being correct ] has been used with my SSN to economically damage me, i : reported that to police and to FTC. i : also send several debt validation and verification to these people or their co parties agent XXXX XXXX ) principle XXXX XXXX ). They never ever validated nor verified the alleged debt. Moreover, i : have demanded that these debt XXXX to send me their particulars to wit : XXXX License, XXXX, XXXX XXXX and XXXX XXXX so that i : can mitigate my economic losses that they continue to cause me, i : want to be able to make several claims against their particulars, Id but they are concealing those in criminal violation of XXXX XXXX XXXX XXXX Concealment ] while they continue to unlawfully damage me and my family. Please have these criminals stay away from me and my family, as far as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Myself and millions of americans were victimised by the recent cyberattack on equifax. I am listed as a potential victim according to equifax 's XXXX. This exposes me and millions of americans to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: JPMORGAN CHASE & CO.
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I logged into my Chase account to wire money to a brokerage. I am active military deployed. After placing two wire requests, I noticed the first was successful while the second triggered a review. 

Wanting to get ahead of the problem, I called into Chase. After a 30 minute hold, I worked with a CSR to verify my identity through confirming my details and providing information from my debit card. After this was complete, I was assured the wire in question would go through within 20 minutes by the end of the business day. I let him know I was deployed and he made note of that in my account. 

A few minutes later, I received notice of a message on my phone that I needed to call into Chase to verify account details. I was placed on another hold but this time, it was 45+ minutes. After picking up, the CSR had me go through another battery of questions, this time from my public records. Upon going through this, the call dropped and the CSR made no attempt to connect with me again. I am now being subjected to another 40+ minute wait. 

I then noticed my Chase account to be locked to 'protect me from suspicious activity. ' I then got an email that my wire was cancelled. This was been an extremely poor experience and it is clear to me that Chase simply does not care. They will waste time and pose extreme inconvenience to deployed Soldiers without any consideration or concern of consequence. 

So as I write this, it is my hope that after 150 minutes, and despite being proactive upon seeing a review triggered, I will have the chance to resolve a simple task of verifying my identity and not to be treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My debit card wasnt working so I called my bank they informed me the my account was being closed. I said for what they wouldnt tell me and I said what about my momey thats in my account they didnt answer the question. But I was still getting text from the bank about my balance. So I have not been able to get any of my money thats in my account XXXX cant put gas in my truck get food nothing. They said I would receive a letter in the mail. But would not answer me about my money. And apparently I received a deposit because my balance went up. So if my name account is closed why are they excepting deposits

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 2017-02-22
Company: American Mortgage Investment Partners Fund I Trust
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
OMB #  XXXX  had been addressed with  XXXX   XXXX   XXXX .  Loan Number   XXXX .     Since then we have worked diligently to have their internal record s ( incl uding our statements ) reflect the correct information, to no avail. We also inquired about paying off the loan.     With no prior correspondence or discussion we received foreclosure notification in the amount of {$390000.00}. Please note the previous case with the  XXXX   XXXX   XXXX  proved  XXXX  had previous knowledge of the information and proposed to internally resolve the discrepancies.     Although the connection between  XXXX  and AIMP Management is not clear, it appears AIMP has been engaged and is responding to inquiries. I also checked the internet site and found the same P.O. Box address.      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX  PH :  XXXX  ( direct ) FX :  XXXX   XXXX  In addition to the prior discrepancy there are now issues regarding the correct amount paid for property taxes. Although we 've provided the official  XXXX   City and County re cords which clearly represent payment from us, AIMP is claiming  XXXX  pai d them.Their  evidence are  XXXX  checks  1 )  Check number  XXXX  {$20000.00} made payable to  XXXX  County but cashed by the  XXXX   XXXX   XXXX   (  the City  and County  bank with  XXXX   XXXX    XXXX    ). 2 ) C heck number  XXXX  {$6200.00} made payable to  the City Treasurer. T his was also cashed at the  XXXX   XXXX   XXXX .     In both instances the unique stamp employed by  the City and County were n ot present nor do their records indicate receiving them.     That was the outline of events. What I would like to convey is we have no idea what role AMIP Management has in this proceeding. We also dispute the checks were used as they are claimed to be. As previously demonstrated in our past dealings through the  Consumer Protection Agency  there seems to be ongoing administration to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Inaccurate information reported. The loan is not delinquent. The company website did not allow me to update the banking information. I attempted several times via email through their customer service. There is not way to reach by phone and the website is frequently not working.

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