BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I had deferred my loan several times between XXXX/XXXX. The loan was sold back and forth between both sister companies. I became XXXX  XXXX through the veteran affairs and applied to have my loan discharged under that program. 

The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a permanent XXXX veteran. 

This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. 

As a service connected XXXX veteran I have been unable to obtain gainful meaningful employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX acct # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please check the attached documents.I do not think that I ever owed the amounts on these accounts, that I ever owed as much as is shown, and I have no idea who these accounts are from because I have never done business with 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 explanation
Consumer complaint received 2021-01-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX ERC is claiming I still owe them debt even after I had returned my phones. They told me over 5 years ago that If I returned my phones and paid my bill for that month I would no longer owe. Turns out they claimed they never received the phones back and I still owed them XXXX dollars. Also they kept harassing me after I told them to stop calling me. I should not be responsible for this debt because not only has the statue of limitations passed but they tried to reopen the debt without my knowledge. It should not be showing up in my collections either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: American Coradius International LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi i was getting back to the debt i had to pay which is {$630.00} from my XXXX account. I would not be able to pay that right now because i am not working so i would have to hold off on that for a minute until im working and have a chance to pay it but i dont know why i have to pay it because people was sending me money i think last year so then they start requesting the money back like months ago then not to long ago they cancel the request from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
HI. I am submitting a follow-up request to have PayPal review my account further. The previous case that was submitted stated they were unable to release funds due to me receiving unemployment in XXXX  and XXXX. I have a rental property in XXXX  which allowed me to qualify for unemployment in XXXX. Due to COVID-19. I was unable to rent out the rental property on XXXX  as before. As far as XXXX, I am a previous resident and ran an event planning business nationwide, with most of my business being in XXXX. I am XXXX XXXX and have only lived in XXXX  for a short time with close family due to the situation. My business is still based out of XXXX. I have submitted proof of my XXXX  residency by uploading my XXXX  ID card. In parenthesis is a link to my XXXX page which also shows proof of my event planning business which is in XXXX. ( XXXX XXXX XXXXXXXX ) I also uploaded a screenshot below of the XXXX  property that I rent in Arizona which qualified me for unemployment in XXXX. I have never been a resident of XXXX  but in fact a property owner. Both XXXX  and XXXX  have been reported on my end to know that I am receiving unemployment from both states. I was stuck in the backdate process from XXXX  since the beginning of the pandemic and finally was released in early XX/XX/XXXXwhich caused a bunch of payments to come into my PayPal account at such a rapid pace.. The payments from XXXX  were paid accurately on dates that were not paid for XXXX. I was eligible to receive payments from both states per the unemployment guidelines as long as I reported each state. I hope this detailed information provided is enough to have my funds released as I have not committed any violation and have provided the necessary information to have them released. I am willing to provide any additional information upon request from my lawyer which I have listed their information below. Thank you for the additional review and I hope this is enough information to prove that this was a mistake. 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a previous Bank of American checking and savings account that was closed and had a negative balance. The balance and debt I owed to Bank of America, was discharged under Chapter XXXX Bankruptcy on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. Bank of America is discriminating against me by denying me credit and an opportunity to open up a Bank of America Checking Account and Savings account due to the previous accounts I had with Bank of America, which the debt I owed to Bank of America was discharged in bankruptcy court under Chapter XXXX. Bank of America is discriminating against me because of my race as well, me being XXXX XXXX ( XXXX ). I deserve a second chance checking account with Bank of America. Bank of America is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ). Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2021-02-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was asked to submit documents and was assigned a Customer Advocate. 
I mailed the documents, made several calls, talked to several but could never reach the Advocate nor anyone in the company reach any advocate that could answer my queries. 

I was initially told that since this is to refinance within the same company, this would be very easy. 

After spending much time, I received an email to again send the documents. I again did but it seems there is no one to receive the documents or anyone who could explain what going on. 

Instead, I am asked to sign a disclaimer that if I did not submit the documents by a specific date, the loan company will not be able to refinance and stop the application. The person whom I could talk to tried to get in touch with the team or the team leader who is handling my loan but there is no response. Despite having no response, I am told that this can not be refinanced.

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2022 I notify JPMCB of my intent to enforce my rescission rights. And I am demanding a refund of all funds and property paid, as well as taking any required and appropriate steps to reflect the termination of the consumer credit transactions securities interest. JPMCB has not replied at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person. I am begging for help at this point

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 2019-05-28
Company: Experian Information Solutions Inc.
State: TX
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 have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX/XXXXXXXX   XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2021-08-03
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: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT

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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX 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 explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
You have not adhered to the following laws, Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation, Freedom of Information Request For SEC Registration Status & Securitization Inquiry Freedom of Information Request Regarding General Obligation Bonds-CAFR. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law

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 2021-01-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother ( XXXX XXXX ) passed away on XX/XX/XXXX in XXXX XXXX. She was temporarily in XXXX and had a permanent address at XXXX XXXX XXXX  XXXX XXXX WA XXXX which is also where I live. 

I have been trying to get her Chase account ( see attached bank statement ) released to me per State of Washington law using the Small Estate Disposition process. I also happen to be the Power of Attorney on this account also. 

I have provided Chase a notarized affidavit for the Small Estate in accordance with State of Washington law XXXX. I have provided them a Report of Death signed by Vice Counsel for the US Embassy in XXXX XXXX. I have attached both of these in my complaint. 

Residency as defined by State of Washington has to meet one of the following : Maintains a residence in Washington for personal use ; Lives in a motor home or vessel which is not permanently attached to any property if the person previously lived in this state and does not have a permanent residence in any other state ; Is registered to vote in this state ; Receives benefits under one of Washington 's public assistance programs ; Has a state professional or business license in this state ; Is attending school in this state and paying tuition as a Washington resident or is a custodial parent with a child attending a public school in this state ; Uses a Washington address for federal or state taxes ; Has a Washington State driver 's license ; or Claims Washington as a residence for obtaining a hunting or fishing license, eligibility to hold public office or for judicial actions. 

My mother met several of the Washington State residency requirements above at the time of her passing. 

I am requesting her bank account is released to me immediately. It is shocking that a large bank such as Chase would not release her funds to her son. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I received mail from United Collection alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however XXXX  responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Credit Karma, LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX, 2022, the FTC ordered Credit Karma to pay {$3.00} mil to consumers. I was a victim of these false claims by credit Karma alleging I was pre-approved but was denied. The misrepresentation of Credit Karma has caused severe mental anguish and anxiety for my family and I. I had applied for a personal loan of {$10000.00} and two {$10000.00} credit cards and was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a series of emails from Bank of America stating congrats on your new account. Unfortunately I was not aware of this new account. Then the next day I received an email from CFPB making the public aware of the CFPB Fines XXXX XXXX  {$37.00} Million for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customershttps : XXXX # _=_ publication was I did not open an account, it was fraudulently opened without my consent... I'm not sure what this will do to my credit future

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with FCRA. this creditor has violated my rights under XXXX5 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy. 
15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus XXXX XXXX and Equifax ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: I.C. System, Inc.
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: Report provided to employer without your written authorization

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

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

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 2022-12-09
Company: Penn Credit Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation