BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank has decided to end their relationship with me because they told me I was deemed a risk however this is due to the claims agents overseas who have repeatedly made mistakes on my claim and reported incorrect and inaccurate information which caused my account to be closed. Apparently this was related to a claim which I have not only reported to them but I have also provided a police report to them as substantial evidence to support my claim. Apparently the claims agents overseas have rushed my initial call while filing a claim and has caused my claim to be rejected even though I have reported my lost debit card to the police department. I have also reported a fraudulent check which was deposited in my account without my authorization or knowledge which the agent clearly missed on the claim which also caused the closing of my account. I have done nothing wrong as a consumer and an investigation needs to be launched on the claim agents who took my calls and reported inaccurate information who caused my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe on any medical bills nor have any medical bills recently this is inaccurate and false information

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 2022-03-31
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:
On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 60 days later I have not recieved a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. 

Attached is my original copy of my dispute with them! 
Please attached files.

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 2022-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I was contacted by Portfolio Recovery Services on behalf of an alleged debt of {$450.00}. According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my love of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: WA
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 opened a XXXX XXXX Secured credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. 

First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from XXXX XXXX XXXX since XXXX of XXXX. That is when they emailed me a statement. 

XX/XX/XXXX XXXX XXXX was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Occupation on my credit reports say XXXX XXXX XXXX and XXXX XXXX '' but that isn't my place of employment. Furthermore, I have two incorrect inquiries on my credit report. XXXX and XXXX. I have already tried once to get this taken care of, I don't want to have to pursue legal action to get fraudulent inquiries removed.

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 2022-09-12
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I opened a Citibank checking and savings account on XX/XX/2020 in order to take advantage of a bonus promotion offering {$700.00} after completing tasks. The tasks were to deposit {$50000.00} in new funds into the account and maintain them for 60 days in order to earn the bonus. I met those benchmarks but Citibank is refusing to pay me the bonus.

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 2020-06-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I received an updated payment count towards my Public service loan forgiveness in the amount of XXXX payments one month later I received an updated list and the servicer removed over 30 of my qualifying payments for no reason. I contacted them and they assured me they would review my account and my payments and yesterday I received an email with an update a payment count. They stole one years worth of payments from me. No one will answer why these payments all the sudden don't qualify my employment has never changed in 12 years and I'm always current on payments and submit my recertification yearly. The servicer is abusing people and their accounts you can't give me any excuse or reason as to why you stole a Year 's worth of my forgiveness from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: FL
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:
Hi! My name is XXXX XXXX, I've just discovered that the items I requested for you to investigate and delete have not yet been removed nor did you sent me anything, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a lawsuit on XX/XX/2022 for a debt of 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have recently been trying to get the credit reporting agencies ( XXXX, XXXX, and Transunion ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On Transunion this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. Transunion has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. XXXX is reporting a monthly payment of {$65.00} a month when transunion and XXXX  are reporting no monthly payment 3. XXXX has reported the payment status as 120 days late when XXXX and Transunion are reporting charged off. 
4. XXXX is reporting this account type as a collection when transunion and XXXX  are reporting this as a line of credit 5. There are 3 different dates of last activity. Transunion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX ( Reaged ) and XXXX is reporting XX/XX/XXXX 6. The date of last payment is being reported wrong. Transunion and XXXX are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. XXXX reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( Transunion and XXXX ) XXXX XXXX. - The date of last activity does not match. Transunion reports XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  XXXX XXXX has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and transunion reports XX/XX/XXXX XXXX XXXX XXXX 1 . Transunion is reporting a monthly payment of {$330.00} when XXXX is reporting {$0.00}. 
2. Transunion and XXXX have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Have called transunion, XXXX, experian about mis information and unauthorized reporting done to my reports. I would like all collections and inquiries removed from my credit report. I have gave no consent or authorization for this information to be reported in my credit reports.

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 2017-06-14
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My husband and I recently were trying to refinance our home to acquire a fixed rate mortgage. We were in the final stages of the refinance process, the Bank called to inform us on the property report they use which is  XXXX  reflected we had a property foreclosure in  XXXX   XXXX ,  2015 , property located  XXXX   XXXX   XXXX   XXXX  Tennessee. This property was included in our Chapter  XXXX  Bankruptcy. Under the  Federal  Bankruptcy laws all  debts that are included in the Bankruptcy the reporting of any derogative information ceases one the bankruptcy is discharged. The lender Wells Fargo reported this in the property foreclosure  XXXX  system .   We want this information removed from any reports and the bankruptcy laws enforced.

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 2021-10-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 I received my order for a metal detector from XXXX XXXX XXXX My sons birthday was XX/XX/XXXX and realized it was not a metal detector used for finding items in sand, but a XXXX hand wand for weapons. XXXX said that I had to get my refund of {$160.00} from XXXX. I had a balance due from XXXX of {$95.00} and a long time cardholder. When they informed me they would not refund me I cancelled my card. Commenity bank will not stop charging late fees and my credit is important I returned this item on XX/XX/XXXX via USPS. They are calling non stop even though I requested them to stop. I spent Hours on phone but I am not going to pay for a returned item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CU Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In CU RECOVERY 's response to CFPB Complaint # XXXX, CU RECOVERY mentioned XXXX Employees XXXX placed two alleged accounts of mine in their office for collection. They were not supposed to collect my location information. 15 USC 1692a ( 7 ) defines The term location information means a consumers place of abode and his telephone number at such place, or his place of employment. The fact that they collected my name, telephone number and address is an infringement to my privacy, pursuant to 15 USC 1692 ( a ) that is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: SC
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 Account # 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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # 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 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 2022-03-31
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello and thank you for helping me with this, I am afraid my money is gone and I do not know what else to do. I changed jobs last year as I am sure many other people have as well. I attempted to close my XXXX account through my previous employer and transfer the balance to my personal XXXX account to avoid fees and restrictions on that balance. I submitted a paper form and followed the instructions on their website. I was told to wait 8 weeks for the balance to transfer as a " trustee to trustee transfer ''. After 8 weeks with seemingly no movement on the account I reached out to them and requested an investigation, the results of that investigation produced guidance for me to again fill out a form and mail it to a different address than originally instructed. This time in 8 weeks the money had left my existing account with my ex-employer and the account was marked closed, but no money had arrived to my new personal XXXX account. I reached out to both the new and old XXXX companies with dismay and they both opened investigations. Unfortunately, the new XXXX company simply had not received anything from the old XXXX company. The old XXXX company has opened an investigation into the transfer issue, but simply closed it in 5 days with no change to my account, no refund of my money, and no correspondence. How can I get my hard earned XXXX money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX, I sent the consumer reporting agencies letters notifying them that they Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. They also reported without my authorization or permissible purpose and a clear violation of FCRA 15 U.S.C 1681b ( f ). I really think that they are violated my rights and I want to seek legal action about this issue.

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 2021-10-28
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Credit Corp Solutions Inc Dba Tasman Credit Corp ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX regarding a XXXX account in the amount of XXXX. After numerous calls to Credit Corp and XXXX I was told by XXXX XXXX my account was paid in full and never turned to any collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: CA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation