BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
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: Their investigation did not fix an error on your report

Complaint:
Equifax is currently reporting inaccurate information on my credit report. They have XXXX XXXX XXXX listed as my name and that is not accurate. My true name is all that should be showing. 

Equifax has my place of employment listed on my credit report twice. Duplicate entries should NOT be listed on my credit report. 

Equifax has inaccurate payment histories posted on my credit report. I sent over a letter on XX/XX/21 and it was received by their office on XX/XX/21 and they HAVE NOT responded or corrected my credit report. 

Equifax has an inaccurate XXXX XXXX listed on my account that they refuse to remove. The account is with XXXX XXXX XXXX. 

Equifax has an inaccurate XXXX XXXX listed on my account that they refuse to remover. The account is with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Avant Holding Company, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my account with avant- in 2021 because I was incurring charged on a card that I was not using. I closed to account while making payments to XXXX  XXXX  my balance but the company is consistently charging me interest and monthly fees on a closed non active account. I asked if my account could be sent to collections so I can pay my balance off and they told me my account could not be sent to collections because it has a balance that will always be there because they keep charging me. The balance on the card is more than the {$300.00} credit limit I was approved for the balance is now {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and Loan Partial Acct : XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX  XXXX  Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
XXXX XXXX Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2023-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have called this company numerous times in the past month. I have asked for a partial Lien release and NO ONE will call me back or call the title company i gave the number and email to. I was told a lawyer would call me and nothing. Title company has called and she ( XXXX ) can not get any turn calls. 
They are breaking the law! My rights as an XXXX!! 
Its against a the law in Texas to place a lien on a XXXX! 
They will not correct the problem! 
This company is a joke and fraud!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
XXXX auto loan from XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX loan from XXXX XXXX XXXX XXXX - XXXX is not reporting /missing on my Credit Report XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX is not reporting/ missing on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not reporting /missing on my Credit Report All these account is in good standing and paying as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Debt Co LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The Company calls every with different people i started for them to stop calling me and they would call back an hour later. 

This is second company that called me regarding this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: JPMORGAN CHASE & CO.
State: AZ
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:
On XX/XX/2022 we returned from a trip to XXXX and upon reviewing our Chase VISA transactions noticed charges for groceries purchased at a XXXX and delivered to a XXXX XXXX address on XX/XX/XXXX. We live in XXXX. 

We immediately went to our local XXXX ( XXXX ) store and discovered someone had accessed my frequent shopper card and its attached Chase VIsa number. 
This was immediately reported to Chase and XXXX and Chase has now twice told us the charge was valid and our responsibility! We need your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX credit card was switched over to a new company ( Barclays ), during the transition process, I never received a card/new account number. When I tried to pay the bill thru the old system, I was not allowed and told I had to use Barclays. When I contacted Barclays, they said I needed my new account number to make a payment but it could not be provided via phone. They stated they would mail the information to me. The balance was Paid in full once the account situation was worked out and I was told that the late fee 's and additional interest would be reversed due to the error. I keep receiving late fee 's and interest EVERY month since XXXX because of a balance due from the late fee that was supposed to be reversed. Every month, I call and speak with an Agent. Every month they apologize and tell me that my balance is now {$0.00}, and I will need to wait until the next billing cycle to see it reflected on my statement. Every month there is a NEW late fee and interest charge added. Now I'm being told that the late fee is valid because I paid my bill on XX/XX/22 ( It was due XX/XX/22 ), but because their system didn't actually process it until XX/XX/22 I have to pay the late fee. They have now reported the late fee 's to the 3 major credit bureau 's impacting my credit score. How am I responsible for a late fee when I paid the payment a day before the due date? How am I being punished because of Barclays processing system? I was told by one agent that something was sent to the Credit bureaus to correct my report, then told by the very next agent that I would have to dispute the error.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
XXXX XXXX Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am looking to get a refund on my federal student loans under the CARES act for my payments made during forbearance. I started school again ( XXXX ) and hit the " Cost of Attendance '' cap for my student loans and have been struggling to pay rent. 

I submitted my refund from Edfinancial on XX/XX/XXXX via phone call. I have yet to receive any initiated communication from Edfinancial regarding this inquisition.

I called Edfinancial again on XX/XX/XXXX to check on the status of the refund. They said they were unable to verify the status, only that it was a successfully submitted request. When I asked for a timeline, they told me they were unable to give me a timeframe. 

I made a refund request to my other loan servicer earlier this month and was given an XXXX week timeframe. 

Due to my financial situation, I am very upset with the lackadaisical attitude of Edfinancial. I would have appreciated a quicker turnaround for these refunds, or at least more transparency with their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Colony Brands, Inc.
State: AL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. 

To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. 

Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts Loans Utility accounts Investment accounts Seventh Avenue Internet and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. 
I was denied bank, investing, credit, or other financial services. 

I do not have any information about who I believe to be the identity thief. 

I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. 

I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: JPMORGAN CHASE & CO.
State: LA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought XXXX tickets on XX/XX/XXXX in the amount of XXXX. I used my Chase debit card. But XXXX XXXX got worst and our safety is my priority. I requested for cancellation and get my Refund. I even purchased a protection plan in the amount of {$290.00}. I disputed a claim and submitted the supporting documents for both and CHASE CLOSED the case because of its almost two years? According to the merchant Asaptickets they did the refund but according to Chase they didnt receive on their end and the card that I used is not even on my profile?, and not even a closed card? How could it be? This is my earned money and saved it. Please help me to resolve the issue. I attached the message from CHASE BANK and XXXX. Thank you for the assistance. Much appreciated. 
Sincerely, XXXX XXXX XXXX XXXX FROM XXXX  : In regards to your refund for booking XXXX From XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX Dear XXXX, Hope you are doing well. 
On XX/XX/XXXX, the credit was reversed back to the issuer and they accepted Network Accepted XX/XX/XXXX XXXX PST Decision Final Issuer Accepted Account number : XXXX Amount : - {$3200.00} It is better that you provide them with the full CC number, Per the letter attached, your bank doesn't see a card ending in XXXX associated with your account. 
Looking forward to hearing from you. 
Thank you. 
Sincerely, XXXX XXXX XXXX  Special FROM CHASE BANK : Sent XX/XX/XXXX XXXX XXXX From Chase Online Subiect Re : Account inquiry Delete Reply Dear Retail Claims Customer, We have received your request and reviewed your claim. 
Your claim iS : Claim # : XXXX Claim Status : Closed Additional information : I ve check the account for the amount XXXX and I do not see that amount to be refunded. Once thing I did notice is the card used ending in XXXX is not on your profile even as a closed card. 
If you have any further questions please don't hesitate to reach out to uS. 
Thank you for choosing Chase.

Sincerely, The Retail Claims Team

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CrossCountry Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to Cross Country Mortgage to discuss mortgage forbearance relief under the 2020 Cares Act due to Covid-related difficulties with my tenants who are unable to pay rent. There are two mortgages I have and both are XXXX XXXX  mortgages. I discussed the circumstances with the company and they have required a massive amount of documentation ( contrary to the Act declaring that such documentation is not needed ). The mortgage company is not treating this matter under the parameters of the Cares Act and they want to treat it as if it's a conventional request for mortgage forbearance ( which has much different ramifications ). I have attached the PDF document they have repeatedly sent me, which was published pre-pandemic ( XX/XX/2020 ) and is not related to the 2020 Cares Act provisions. They are not following federal law and this needs to be brought to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX Report of violations and identity theft by XXXX XXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am using CFPB to report clearly the attack that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX has falsely put down a litany of false and misleading tactics onto me and on my credit report USING IDENTITY THEFT. 

They have used my social number, name, and information to report a new active live account on my credit report that I dont owe. This company has remained deceptive and unrelenting after numerous interactions and proofs. 

A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS XXXX XXXXXXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT . A FTC.GOV REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED. XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS XXXX. 

DFINITION OF IDENTITY THEFT : What is the best definition of identity theft? Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.

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 2022-09-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
1. On Monday, XX/XX/XXXX I received two emails that appeared to be coming from XXXX. Email content stated I owed {$500.00} for gift card purchased on my account and had a XXXX ( XXXX ) XXXX number that I needed to call. In order to settle my account I called the number in an effort to settle my account. 
2. Person at other end of line by the name of XXXX sent me a computer link to load onto my computer which I did. He directed for me to install the software so we could resolve the payment. I followed his instructions which gave him access to my computer. After a few minutes he called me from telephone no. of XXXX ( XXXX, NY # ) It was a major mistake on my part and should have hung up, but didn't. 
3. He said that my XXXX account was linked to 3 credit cards. He read two XXXX  cards that I had used in my XXXX account that were expired and a third one that was in fact linked. All seemed to be accurate information. 
4. Then, he said that in order to resolve the problem he was going to transfer {$200.00} to my USAA account. He showed me on line a screen where he wanted for me to fill out the amount of {$200.00}. When I did somehow he populated the amount with two additional XXXX which appeared the transfer to be made was for {$20000.00}. I warned him of the mistake to which he said it was all his mistake and for me not to do anything because he would lose his job. 
5. He then asked me to transfer {$19000.00} ( {$20000.00} he supposedly transferred less {$500.00} - {$50.00} for wire transfer fees. 
6. He provided a XXXX XXXX XXXXXXXX wire transfer information with the account holder 's name ( XXXX XXXX ). I called USSA and directed agent to do wire transfer. 
7. I got irate because I am out of {$19000.00} and have been unable to recover my money. He has his supposed boss call me. Didn't catch his name, which was bogus anyway and had numerous calls from him from tel. no. XXXX ( XXXX XXXX, NY ) number. 
XXXX. I finally gave up and reported the SCAM to XXXX and to USAA. My bank ( USAA ) assured me they would try to recover my money but I have not heard from them. Reported scam to them on Friday XX/XX/XXXX. 
XXXX I have detailed notes of emails, text messages, and phone calls to prove the SCAM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express hiked the interest rate on my credit card from 15.99 % to 29.99 % on XX/XX/2022. I called the company on XX/XX/2022 for an explanation. The customer service representative gave me an illogical reason. I tried to reason with her to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with 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 2022-07-03
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: Information belongs to someone else

Complaint:
I lost my wallet and I have these inquires on my report XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries

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