BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Transunion took it upon themselves to post a tax lien on a property I recently sold. Eventually, the corresponding bank paid the taxes, but my credit has a negative impact because of them.

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 2022-01-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I called Experian on XX/XX/XXXX and informed the agent that the following inquiries were made without my consent or authorization. The agent refused to listen to my concern or resolve the issue. I am requesting the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX Inquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
American Express Serv mobile app has been down for days. I can not access my balance, transfer funds or make purchases. They are holding my monies hostage. 

The date the issues started was XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: CA
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:
I am submitting this complaint against the 3 Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the 3 Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
From XX/XX/21 through XX/XX/21, Capital One knowingly processed XXXX false and fraudulent charges by XXXX for a total of {$210.00}. There is NO contract, invoice, or authorization from the consumer to XXXX authorizing these credit card charges. NO product or service was provided to the consumer by XXXX. Capital One failed to conduct a due diligence investigation. Instead, Capital One required documents that do NOT exist. There is NO relevant contract, invoice, authorization, or cancellation policy because the consumer did NOT order anything from XXXX, or receive anything from XXXX. This is a credit card scam committed by XXXX and Capital One is complicit in this unfair, deceptive, or abusive financial practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Protection Act XXXX  account # XXXX. XXXX XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account Number 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 602 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 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had an old retail acct with XXXX XXXX that was opened XX/XX/XXXX. After I lost my job the account did become behind. The debt was never paid in XX/XX/XXXX my new wife became upset when she received a call ( XX/XX/XXXX ) saying I was being sued and having criminal charges against me. She was not aware of the debt since it occurred during my first marriage. The company also called my mother multiple times, also telling her that I was going to jail. My wife then began the proper actions to correct one of my lives mistakes. She spent several hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX. After many failed attempts she began to write letters to both companies ( sent via certified ). ( XX/XX/XXXX ). On XX/XX/XXXX the calls began again. A female by the name of XXXX called stating she was from county clerks office and they are trying to serve me ( XXXX XXXX ) with court summons and failure to comply could lead to criminal actions. In a panic my wife returns the call speaking with a XXXX XXXX. This rep  was rude cussing my wife and telling her that I was going back to jail for 8 months for having stolen property which could be longer since I just got out of jail. Someone has been misinformed because I work in XXXX XXXX and I XXXX XXXX XXXX not break it. I have recorded conversations with this so called collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested validation { not Verification } of an item reported to XXXX by CACi. I have received a response that clearly violates my rights according to HIPAA. 
CACi did not provide me with a HIPAA release sign release form that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from SOUTHWEST CREDIT SYSTEMS. I had previously disputed this account. I have never done business with SOUTHWEST CREDIT SYSTEMS.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOUTHWEST CREDIT SYSTEMS provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SOUTHWEST CREDIT SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For several months now ( since XXXX 2016 - current month ) every 90 days I have received a letter in the mail from Chase Bank, informing me that my application for the Amazon.com Visa Signature card has been denied. I have Never once applied for this credit card. I saw these inquiries on my XXXX credit bureau report and have filed a complaint to XXXX to remove these credit inquiries from my credit report as well as placed a Fraud Alert on my accounts in case they try to apply for this card again. After calling Amazon about this issue, they told me to call Chase bank. I have spoken to Chase bank twice now, once on my own and most recently through a Chase banker inside the bank and they told me to contact XXXX. Today I finally got a live agent from XXXX on the phone and they would not help me until I gave them my SSN, address, and birthday. They said they ca n't do anything about the applications under my name aside from trying to remove the inquiries and I just have to depend on the Fraud Alert to call me if someone tries to open that card under my name again. I asked the agent if there was anything else they can do to help me find out who or where this identity theft was applying for the Amazon Visa Signature card from, and they told me to contact Chase Bank. Like I said above, Chase Bank could not help me. Hopefully the inquiries under my name stop but I wish there was more Chase, Amazon, or XXXX can do to help me protect and restore my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was conditionally approved for a Deed In Lieu ( DIL ) back inXX/XX/XXXX. I signed the DIL documents with a notary assigned by the Select Portfolio Servicing ( SPS ), the mortgage company, inXX/XX/XXXX. The DIL was filed with the XXXX XXXX XXXX and XXXX XXXX onXX/XX/XXXX. However SPS continued to report me as late pay and delinquent to all three credit bureaus for XXXX, XXXX, XXXX and now XXXX,  as we enter this new month. <P/>I sent certified letters and copies of the DIL to all three credit bureaus showing them I no longer own the property that I was alleged to be late paying on and asked that they address my credit file accordingly. No action to delete or update the file to show it was turned over to the mortgage company was initiated. <P/>In effort to work with SPS, I obtained a copy of the DIL at my own expense and forwarded it to them on XX/XX/XXXX. The refused to honor this document. I went a step further, to contact the third party vendor, XXXX XXXX paid to file and forward the DIL to SPS. When I called, they told me they could not speak with me about the matter of forwarding my DIL documents to SPS, because I was not their client. <P/>Today, despite trying to rebuild my credit after a divorce, which is what precipitated the DIL, I continue to be harmed financially by SPS 's negative reports to the credit bureau by and the bureau 's negligence in addressing my credit file, despite the proof having been provided to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, we respectfully filed a complaint with the Florida Attorney General against Bank of America for failure to abide by a stipulated agreement on XX/XX/XXXX. In exchange for a loan modification, BOA demanded that we sign a consent to judgment. What happened next will blow anyones mind. After the consent was signed, BOA failed to provide a loan modification and instead transferred the loan to fraudulent Rushmore which they tried to sale our home a few times while ignoring many mortgage assistance request. BOA entered into a consent to judgment in all 52 states including Florida for Unfair Business dealings in regards to loan modifications. BOA failed to abide by its own consent to judgment with the United Sates of America in connection with our loan. The last correspondence from BOA they indicated to have a resolution by XX/XX/XXXX. As of today XXXX XXXX, BOA not only failed to provide a resolution but also failed to answer the complaint to the Attorney General. Sanctions should would be appropriate at this juncture.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: NY
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:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I Purchased a baby kitten on XXXX for {$300.00} got her on Saturday and she was dead Tuesday morning after taking her to the emergency hospital in XXXX XXXX which cost me {$740.00} in vet services she had infections throughout her whole body and couldnt fight it any longer before you look for a pet dont look on XXXX they used to be honest that they arent any longer both animal control and the emergency vet hospital wore me against ever purchasing or Or getting another animal on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A payment in the amount of XXXX made on XX/XX/XXXX was not processed because there was an error on end of payment system with XXXX XXXX XXXX. The payment was made on their web-site, the account number was one digit off, even though it was entered correctly at time when checking account was added. It took the account information with no error. A rep by name of XXXX advised me today, XX/XX/XXXX, the XX/XX/XXXX payment was reported 30 days past due when there was an error on web-site end. The correct account information was updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XX/XX/2005, with 2 mortgages. When I received the first payment statement for the second mortgage I paid it off in full to XXXX XXXX  XXXX on XX/XX/2005. Then the next month paid one more small payment for the interest accrued over the time it took the mail to get to them. As of my XX/XX/2005 statement from XXXX showed I owed {$0.00}. Somewhere in the midst of me paying off the XXXX XXXX XXXX sold the mortgage to JPMorganChase. They have a lien filed against me for the amount of {$26000.00}. The lien is listed as " inactive '' yet it has not been released at the clerk of the court. After reaching out to everyone possible at JP Morgan Chase they have now come back and said they can not release the lien because I never paid them for it ... they recognized that I paid off XXXX.yet it is filed under JP Morgan Chase in the XXXX XXXX, XXXX  XXXX of the Court records. I am in the process of selling the condo but must have this error in paperwork cleared up immediately. No one wants to help yet they can all see clearly from my records that the debt was paid in XXXX. You are my last resort to get this lien that was clearly " paid off '' removed from the county records so that I can move forward on selling this property.

Company response to consumer: Closed with explanation