BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2022 I was XXXX at a bar and coerced into a car of the individuals who XXXX me. They stole my newly issued Chase Debit card ( the pin had been written down on a piece of paper in my wallet the card was so new, which is how they were able to access my funds ), along with my phone so I was unable to lock these cards until after the transactions were made. Between roughly XXXX - XXXX, these thieves made 20 fraudulent charges on my Chase Debit card. 1 charge was for {$800.00} as an ATM withdrawal, and the other 19 were a combination of purchases and {$100.00} cash-back transactions at XXXX and XXXX around the state ; these totaled {$2400.00}. In all, I was robbed of {$3200.00}. After being dropped off in an unknown area of XXXX, with no phone I made it home and immediately went to the nearest XXXX XXXX at roughly XXXX on XXXX XXXX. I called there fraud department on there office phone, and then multiple times over the next 3 weeks in pursuit of my claim. I was given {$800.00} of credit for a short period of time but then it was revoked. I was informed by Chase that I needed to file a police report, which I attempted to do but had just sold my car and couldn't complete the police report online so I could never fully fill it out. Chase told me that 20 transactions in the early morning, made all over the state ( a week after I had sold my car and have the receipt to prove it ), involving thousands of dollars of cash-back transactions, WAS NOT FRAUDULENT in nature. They revoked all provisionary credit and closed my fraud department claim. I never received any apology from Chase for allowing this thievery to happen. At the time i was unaware of what to do, until recently I discovered the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received a credit report on XX/XX/2022 that my score had decreased by a few points. On my report, it says that a new account with Capital One was opened on XX/XX/2022. The address in this account is : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance : 19 Payment Status : Current I do not recognize this address and I have not opened a new account with Capital One. I do not even live near the state listed on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error : i. Name ii. Address By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was scam called by someone claiming to be from the US Department of Education that was saying they were going to help me get reduced loan payments. During the call they knew my information so I thought they were a valid service but after ending the call I noticed my FSA ID had been changed and they knew my information be us they had accessed my account. Im concerned about my identity being stolen now or loans taken out in my name and want to know how to protect my identity through this. The number they called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
It was never disclosed to me that this was a consumer credit transaction, and that I am the Creditor/investor and beneficiary. all " charges '' were to be included in the finance charge, and that it was I who " lent '' the credit to the " original lender '' it is extortion, peonage, slavery for them to claim I owe a debt when there can be no debt in a consumer credit transaction, because I was the source of the Credit. they violated the consumer protection laws, failed to setoff and balance account and are receiving unjust enrichment at my expense. show me anywhere in the application, promissory note, mortgage where i actually " owe '' a debt. Federal and State law, says that you must protect the consumer and his interests. but Shellpoint mortgage servicing aka " owner of the " loan '' '' has failed to do so. 
it is a Fact the people are the credit " full faith and credit of the nation '' we are the money, we create the money, and are being used, abused and harmed by the corporations failing to balance the books and pay what they owe. they are the ones who are failing to file and pay the taxes owed. they are abusing the Social Security Trust account, and gaining double and tripple dipping ( unjust enrichment ) by stealing the credit and stealing the labor of the people to force them to " pay '' again with labor, which of what was already paid ( credited ) and concealed. it is fraud, it is unconscionable and a violation of the Most High Creator 's law. since all " money '' is created from the peoples deposit and signatures on negotiable instruments/securities and or bonds/ who owes who? it is time to stop the fraud and slavery being perpetrated upon the people on earth. it is your job as you are paid by the peoples taxes ( forced imposed contribution =investment ) to protect the consumers ( people ). Trustees are in breach of trust. as the trust was created when they accepted the social security number, and consumer information, which made them trustee, as we are the true beneficiary, and it does not benefit the beneficiary to have to " pay '' again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: GOLDMAN SACHS BANK USA
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:
Hello on XX/XX/XXXX payment arrangements were made in agreement with GM a Goldman Sachs for my account. On a recorded line the representative sent me up for a payment plan and describe the payment plan to me. The representative of the company did not explain the payment plan to me in for and accurately. A full investigation including pulling up phone calls that were made on the recorded lines need to be done!! 

I made payments for XX/XX/XXXX and XX/XX/XXXX as scheduled and as agreed-upon and yet we still report it late payment to my credit bureaus twice. 

I made the on-time payments as agreed-upon and should NOT HAVE BEEN REPORTED LATE. 

I request a full investigation and removal of my INACCURATE DELINQUENT REPORTING for XX/XX/22 and XX/XX/22 On account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX have 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: PNC Bank N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXXwo parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: United Credit and Collections Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have an account with United Credit Solutions I was told by XXXX XXXX that I could do a settlement but she had to speak with the client first to see she stated again that she has to inform the client she is willing unwilling to give me aa settlement for the account I called back and stated can I informed XXXX XXXX that I have worked with other credit collection agencies and never been treated this way and know that this is being used against me as racism

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: MD
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company I work for has a corporate American Express account of which I am the primary contact for. Between XXXX and XXXX XXXX  XXXX on XX/XX/2022 I received 6 phone calls from ( XXXX ) XXXX. After ignoring the first 2 calls, I answered the 3rd call. An automated voice stated they were calling me ( by name ) in regards to my American Express card ending in XXXX and that fraudulent activity was detected. I was in the middle of another project and immediately hung up mid-recording. About an hour later I had completed the project I was working on and began investigating the call. I had thought it was odd I didn't get a text or email from AmEx regarding the suspected fraud. I logged into the AmEx account online and did not notice any suspicious activity. I then called the number on the back of my AmEx and spoke to a representative from the fraud department. It is worth noting, the number on the back of my AmEx did not match the number that called me. The fraud department rep stated there was no suspicious activity flagged on our account nor any notes on our account regarding a verified AmEx rep reaching out to me. I did provide the number that called me to the rep who did verify that it was the AmEx consumer number, which was fishy in and of itself because this a corporate card not personal. The fraud rep stated it was likely a fishing scam. Today, between XXXX XXXX  and XXXX XXXX  XXXX I received 18 calls from ( XXXX ) XXXX. I did not answer any of them. Not only is this an inappropriate credit card scam, but the frequency of the calls is harrassing in nature! That makes 24 calls is less than 24 hours!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: IN
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:
Dear Credit Reporting Agency Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : U.S. DEPARTMENT OF EDUCATION -This still shows multiple instances and only one closed.

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi. I was scammed for {$800.00} through a XXXX XXXX transaction via Zelle on Tuesday, XX/XX/20. 
I am selling a couch for {$600.00} on XXXX XXXX. Someone wanted to purchase it immediately for {$700.00} and offered to pay via Zelle. I agreed, gave her my Zelle email and I got an email from Zelle saying XXXX XXXX ( the buyer ) sent me {$700.00}, but she sent it to me via a business account and in order to obtain my money, I needed {$1000.00} in my account to fully activate it - so XXXX would have to send me another {$300.00}. XXXX agreed via XXXX XXXX as long as I paid her back immediately, so I got an email a few minutes later from Zelle saying she sent me {$300.00}. I then sent XXXX back {$300.00} via Zelle and got an email saying my account was validated and I would be paid immediately. I then got another email saying that XXXX accidentally sent me {$500.00} so they could not clear my account and that I would have to pay Zelle {$500.00} to pay her back before they could send me my money. So I sent another {$500.00}. At that point, I was out {$800.00} and sent an email asking when I would get my {$1500.00} paid ( {$700.00} for the couch plus the {$800.00} I was owed ). They responded right away stating another problem and that I had to pay another {$500.00}. At that point, I realized I was being scammed. I submitted a claim with XXXX XXXX XXXXXXXX and Zelle, but I haven't heard back from either yet on the status of my claim. From what I've understood from the bank, they are refusing to cover the {$800.00} since I sent the money voluntarily. However, I was tricked into doing this and it was a clear scam- it's no different if my credit card got hacked for {$800.00} and the bank had to cover it. I've been a XXXX  XXXX XXXX XXXX for XXXX years and have tens of thousands of dollars with them, so it's disappointing to hear that they are not supporting me. Zelle has also been very unhelpful. I've spent hours on the phone with them trying to get someone to speak to me. It's too easy to get scammed on their platform and they don't seem to care or do anything about it. It's been 48 hours since I submitted my claim on Tuesday, XX/XX/20 and I still haven't heard anything back. The scammer has probably cancelled the account by now and just has my {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint a couple weeks ago. The number is XXXX. I would like to connect this with that one if possible. A couple days after I filed other complaint with you guys I spoke to a person at Right Path Servicing. I felt that he was trying to strong arm me. Ive talked to him a couple times before the last several months. He said he was assigned to my case several times. Yet he never knew anything about it and had to put me on hold and look at the notes everytime. The last time I talked to him our conversation escalated. The phone signal failed. Not sure why. I didnt hang up the phone on my end. The very next day someone called me telling me that my modification was no longer in underwriting and that it was denied. Thats very strange to me that the day after we talked that my modification was denied. It was approved months ago after I sent them the notarized papers 4 different times because of errors on their end. My only option was to accept the cancellation of modification and apply for a new one. Thats very strange to me. The guy that set up for me from the same company told me that he even thought it was weird that they closed my modification because everything was approved and it was notarized through the counties. Today earlier XXXX. The same guy that I feel hung up on me and had my account closed called me today. I told him I had nothing to say to him at all. I immediately called back and spoke to another person and told her what was going on. She too said she cant understand why they would close modification when everything was approved and notarized. I asked her to set up a call back with a supervisor. She told me that someone would call me back Im within 24-48 hours. As I stated before. Before covid I made all my payments always on time never late. Covid impacted me and cause me to lose my job and fall behind on eveything. Ive finally bounced back and can make mortgage payments again. Then sending me papers 4 different times to get notarized while I paid for them, switching companies from community loan to right path in the middle of all that. And showing my modification and under review for 4-5 months has really just rubbed me the wrong way. Plus my supposed approved modification being denied out of the blue is very strange to me. Like I said to them. I just want to get back to making my payments again normally and on time. They called me everyday for 5 months. I dont want them to call me and I dont want to call them. Thanks for looking. I put the case number for other file on top of this one. Im hoping that you guys can connect the two. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate 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 non-monetary relief