BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, those 2 accounts Were sent to collections which means it is illegal to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/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 2022-05-19
Company: EQUIFAX, INC.
State: NV
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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:
Attention : In Concerning to XXXX XXXX XXXX and XXXX XXXX, inaccurate information. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has been reporting inaccurate information to my credit record for some time now, I first know about this account when it show up on my credit report. I then contacted XXXX XXXX XXXX and told the bank of the wrongfully report on my credit report. 

I've send several letters to the three credit companies, asking for this company to be deleted from my credit report. instead of being remove from my report, XXXX XXXX XXXX decided to SOLD THIS INFORMATION TO XXXX XXXX 

XXXX XXXX decided to report this information to all three credit companies which is very wrong. 

In addition, XXXX XXXX XXXX and XXXX XXXX both are now reporting this information to my credit record in which is very wrong. two companies should not be collection on the same account. 

Both TransUnion and XXXX  are now reporting XXXX XXXX XXXX as CHARGE OFF which is inaccurate. TransUnion now showing a credit limit as {$500.00} and XXXX is showing a {$0.00} balance to my credit report which is very inaccurate. 

XXXX XXXX are now reporting this information to TransUnion as XXXX XXXX XXXX XXXX XXXX, again which is very inaccurate. XXXX  and XXXX  are not reporting any information from XXXX XXXX. 

The entire reporting of this information is inaccurate completely. 



I am asking for this information to BE DELETTED from all three of my credit please. 

Thank you for your time and patient concern in concerning this mistaken reports. 
sincerely, 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 2017-01-19
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a request to the collector requesting validation that the debt belongs to me as well as HIPPA authorization for medical records to be released. The response received was a statement of what is owed, there was nothing validate nor was there a HIPPA release provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I received notice from my bank, Chase, that they were DENYING payment via XXXX XXXX to two individuals in the amount of {$400.00} and {$500.00}. When I checked my Chase Checking Acct online I found that there had been two XXXX XXXX withdrawals from the account ; one for {$430.00} and one for {$500.00} ... both to one of the individuals previously named in the above " denials ''. Other than seeing those 2 transactions shown as a result of my checking my account online, I received no previous notice of any XXXX XXXX taking place and, in fact, had it not been for the notice of " Denials '' I would likely not have seen that anything was amiss. On speaking to Chase regarding the matter on XX/XX/XXXX, they quickly credited back my {$930.00} and said they would investigate. On XX/XX/XXXX I received a letter stating that they had completed their review and found that the transactions were processed correctly or were authorized and they would be taking the full {$930.00} out of my account!! I called them back to complain and again, stated in no uncertain terms that I DID NOT authorize or participate in these transactions nor did I know any of the names contained therein. They indicated they would reevaluate and let me know by XX/XX/XXXX or thereabouts. Very disconcerting after the many years of being a Chase customer to see that they do not have my back. I have started moving money out of my Chase account as a precautionary measure and may close the account if an equitable resolution is not found. And whatever happened to Regulation E? I thought that was supposed to protect the consumer against major liability in issues such as this? I have removed XXXX XXXX from my Chase Account. IN the past, whenever I have used XXXX to send someone money ( rarely ) I received a notice indicating such a payment had been made and showing to whom ... this time I got zilch ( except for the Chase message of denial as explained above. Chase does say that it denied the 2 payment requests because they " didn't hear back from me ''. Again, I never received any request from Chase regarding these transactions which I find peculiar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX XXXX i make deposit in my acount TD Bank transaction {$100.00}, {$100.00}, {$110.00}, {$60.00} total $ XXXX, 2016 time XXXX balance was {$360.00} TD Bank overcharge XXXX XXXX XXXX XXXX 2016 and XXXX XXXX 2016 no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00}

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 2020-08-11
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 - My Mortgage Company Freedom Mortgage has reported late payment ding to my credit report indicating that I was late on my mortgage payment. 

However at no time did they inform that my mortgage payment late or was not paid or was short. Nor did they invoke a late penalty on any mortgage statement which each statement says that they will. 

So no notification and no late penalty fee - but a arbitrary ding to my credit report which crashed my credit score. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: NCB Management Services Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive requested documents from NCB Management Service Inc three times and havent got a responce from them. I dont know what i have to do to have them tell me why i owe them money when i dont even know who they are and have never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MN
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} FXXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened a business account with Chase Bank located on XXXX XXXX XXXX, XXXX, SC XXXX after receiving an email offering me {$300.00} if I opened a business account and kept at least {$2000.00} deposited for 60 days, and made at least 5 transactions using my debit card.

After not receiving my debit card 7 days later I returned to the bank to make an inquiry as to why, and the bank representative checked my address to make sure that it was entered correctly and it was. At the same time I had entered the wrong passwordon its online banking and had been blocked out. The representative tried to reach a representative on the phone, but it was over a 15-minute wait, so I told him that I would call myself to correct that, thinking that might be the problem. I could not get an agent to answer the phone without being on hold for longer periods that I could remain on hold until several days later. 

When I was finally able to reach someone at XXXX I was asked what " kind '' of business did I have since I listed several options including : consulting, editing, and publishing. The representative stated that it would be better to list it just as publishing. I told her okay and expected that all was clear and that I would receive my debit card within the next 7 days. I did not. What I did receive was a letter stating that there was a problem with my account and also a text stating that if I didn't return their call by XX/XX/XXXX that my business account would be closed. I left on a 7-day vacation to XXXX on XX/XX/XXXX and was not scheduled to return until XXXX on XX/XX/XXXX, so I texted them my inteniary to show that I was out of the country and informed them that I would return their call the next day. 

After not being able to get anyone on the phone the next day, I went back to the bank and spoke with the agent again. He called in the branch manager and she was able to contact them and got my online banking finally restored and I was informed that the original card that was shipped out, that I never received, was cancelled, and that he ordered another card to be shipped out expeditiously and that I would receive it no later XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX and I do not have time while running my business to continue to keep calling or going to the bank, when apparently they have not been of help. 

Honestly, I'm beginning to feel like this was some sort of hoax to get business owners to add cash assets to their banking institution. One of my sisters had a similar issue with another bank, and she told me she had to contact you for help, and suggested that I do the same. I hope that you can help me. If I doo n't make 5 transactions by I believe XX/XX/XXXX by using their bank debit card I will not receive the {$300.00} promised to me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2015-04-22
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank put a hold on my debit card because they said I was not in state where acct was opened. Had to call them then they said it can take up to XXXX for card to start working again. Lady at TD Bank said I needed to call them every time I would leave the state, like they were my travel agent or probation officer and not my bank. The bank dis n't call me to verify transactions or anything they just turn off my card which is illegal to do with out contacting me XXXX. I want bank fined to the maximum extent of the law for each violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MN
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX  : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief