BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
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: Account information incorrect

Complaint:
Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

I kindly request you remove this negative reporting information from the period XX/XX/2022, as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, 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 non-monetary relief
Consumer complaint received 2022-09-23
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sign a contract with XXXX XXXX XXXX on XX/XX/XXXX for 5 years @ monthly fee for {$45.00} later on XXXX home security taken over the company. They started increasing fees every now and then after calling and had a discussion they reduce the fees this practice was going on for the last two years, after 5 years I terminated the contract on XXXX XXXX giving them one month notice letter sent on certified mail and paid in full all there dues. 
After cancelation they tried to get me back on a new contract with them offering me numerous sales tactics but I didn't want to do anything with them. 
Last invoice was XX/XX/XXXX for the amount of {$62.00} and paid with my credit card, they mistakenly duplicate the charge and later refunded. 
Last XXXX I received a letter from debt collector McCarthy, Burgess & Wolff for a amount {$100.00} I replied disputing it. Yesterday again they sent me a letter stating see attached documents but there are no attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my Experian or XXXX XXXX reports. 

XXXX XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXX XXXX XXXXXXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!

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: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I opened an Apple XXXX Credit card and it seems very unfair for an older person to have to text issues, if is VERY difficult to get a person to talk to and they will not mail paper statements. Seems unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Racketeer Influenced and Corrupt Organizations Act all party ( XXXX ) mentioned are involved in such activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was impacted by covid. I have called many times about the credit reporting and to discuss the cares act and the agents are refusing to help me and They keep hanging up in my face.

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase advertises and told me personally when I opened the checking account that I would receive {$200.00}. I told the lady thats the only reason I was at Chase was to receive the {$200.00}. She led me to believe that it would automatically happen. I opened the account in XX/XX/2022. In XX/XX/2022 I still did not receive the {$200.00}. I went to the bank and spoke to the same lady that opened my account and she admitted that she withheld information about the bonus. She said she wasnt allowed to tell me anything and that it was too late to get the money now. She told me what I would have had to do. If it was a secret why was she revealing it to me now? Just because it was too late? I told her because I said the only reason I was at Chase was the {$200.00}, she should have told me then. At the time I opened the account she definitely told me everything was fine. She blatantly lied to me and deceived me. Its a shame how Chase trains their employees to be deceitful in their business practices and that their are people who comply. Why cant I trust a bank-Chase-to treat me with honesty and respect? Is there a banking institution that I can trust to be honest? Please help me. Thank you-XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : JPMCD card- Account- # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

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. 

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: MI
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:
in accordance with the fair credit reporting act XXXX XXXX and equifax has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im a disabled home owner and Ive been affected by XXXX. Ive had a forbearance in place, after the forbearance ended I applied for a loan modification which has been denied. Im asking for help from my XXXX because I have limited income but they rejected my modification because I have limited income. I feel as though Im being discriminated against because I am XXXX. The only option thats being offered to me is to sell my home. I dont want to sell my home and I should be pushed to sell because of my XXXX income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Credit Karma, LLC
State: TX
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:
Credit Karma has pulled my consumer report XXXX times from XX/XX/2022 through XX/XX/2022 without my knowledge, authorization or consent violating 15usc1681. Credit Karma had no authorization nor reason to access my credit report creating XXXX inquiries which negatively impacted my consumer credit report. FCRA Section 604 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE
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:
My credit card, Capital One, was frozen almost 4 months ago. The card tells me it is because of suspected fraud. Several times in the 3 years that I have had this card this has happened. I have told them many times I live in XXXX. This has cost me a lot of money. The most expensive was when a flight my family was taking was canceled at the last minute because I tried to pay for a small check in bag with the card. I had to pay almost {$600.00} dollars for my family to travel by train so that we wouldn't lose our money on hotels and tours for a week. The card refused to help clear up the matter and the charge on my card for flights we couldn't take. In the latest problem with closing my card, I have given them my SSN, Birthdate, telephone, address and more and they will not accept this. They will not tell me what the charge was only than it was in the town in XXXX where I live. Capital One tells me I must send a valid photo ID to them. The only XXXX active ID '' XXXX I have are my Official ( red ) passport and my DOD ID card. Regulations do not allow me to provide copies to private companies. I have told them this. I'm assigned to a military base in XXXX. My official address with the card is an " XXXX '' XXXX XXXX XXXX. Due to XXXX and current events, I have not been back in the XXXX for XXXX years so I don't have other active ID. I have spoken directly to the Fraud Office and Customer Service many times without success. I just want to get my rewards that I have earned with the card and then cancel it but I can't. This is why I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
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:
I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX account number XXXX has violated my rights. 

15U.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 non-monetary relief
Consumer complaint received 2022-06-08
Company: DISCOVER BANK
State: WI
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had {$800.00} stolen out of my checking account via ATM withdraws on XX/XX/2022 and another {$800.00} again ATM withdrawals on XX/XX/2022 via ATM withdraws that I didn't authorize. Fifth Third did reimburse me for the XXXX one but denied the second one in XXXX as I was informed that a pin number was entered. I had re-set my pin and whomever was scamming me was able to enter it. I asked if they could look at the ATM security camera to determine who made the withdrawals and I was told that the camera wasn't available. I then asked about the previous {$800.00} ( as if it's someone I know I wanted to file a police report ) but I was told that the security camera for that incident wasn't available either. I find that odd that two ATM transactions at 2 separate sites wouldn't have security cameras working. I even visited my Fifth Third Bank and asked if they could check the camera 's on site and was told no one at that site had access that only the corporate office would be able to view them. 

Then on XX/XX/2022 was scammed {$290.00} ( my entire checking account balance ) via a XXXX transfer that I didn't authorize as I have never even had a XXXX account or app. I was denied a refund for that transaction as well as they said I was texted a number to verify. I actually was able to confirm a text was sent that day to my cell but I didn't see it. So upon researching these issues I think my phone was cloned but I don't know how to verify that. I read that text messages can actually be hijacked. I did close that checking account after the XXXX incident as someone obviously had access to it and I haven't had any issues with my new account as of today. 

I did have credit card fraud as well, a substantial amount on various cards but I was reimbursed for all of these thankfully. I also found out that my information was found on the XXXX  XXXX. So a few months ago I locked my information on all three credit bureaus and still have them locked today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted loan application with Bank of America for Home loan of credit on XX/XX/XXXX. 
I received call next on the phone i provided next day that loan application is accepted but will take up to 6 weeks to assign loan offices. I uploaded all required documents and called customer service to confirm that all required documents are uploaded. 
Customer service at that time confirmed that all required documents are received and complemented me for timing and accuracy. Called to check status after 5 and 6 weeks and keep getting same response, officer is still not assigned. Finality my wife got call on XX/XX/XXXX to give call back at XXXX extn XXXX but after working hours. 
Left several messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no reply. 
Finally on XX/XX/XXXX XXXX picked up the phone and informed that application is closed with the reason that they couldn't reach us and some missing documents. XXXX was very rude and bad manners. Left a message for his manager awaiting call from her.

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 2022-06-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were NOT authorized : - Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were NOT authorized : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi, I originally disputed XX/XX/XXXX, via mail handwritten letter. I was never notified about a debt I owed with Santander Consumer USA Account # XXXX. I asked Santander Consumer USA to verify the debt and I never received a response and it have been well of XXXXdays. I included my updated mailing address in the letter to make sure Santander Consumer USA would know where to respond to my dispute. I also noticed on my credit report a few details and I wanted to know how the balance was calculated. I would like a signed contract between myself and the debtor. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. I also stated that the date of last activity was XXXX I would like a list of all activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, 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:
I asked the Credit Bureaus to complete a verification on my credit report. They came back and stated that everything was accurate. Upon doing a investigation my self I found some improper actions myself. 

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX account number XXXX has violated my rights. 

15U.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 response to consumer: Closed with explanation