BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX  with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed it and it was remove from said report and TransUnion illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX XXXX  investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice.

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 2021-05-11
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a simple interest auto loan with Consumer Portfolio Services. On XX/XX/21 they received a payment pf {$11000.00} and the are reporting my loan as delinquent because the payment was from a third part. With the payment of {$11000.00} this should've advanced my next pay 28.4 months.Instead Consumer Portfolio Services are reporting my account as delinquent.I 've been told that because the payment was from a third party it is their policy not to count the payment as being from me, which doesn't matter because the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solutions reported a collections account to my file on XX/XX/XXXX. I do not recognize the name XXXX, the creditor listed. 

I sent a debt validation letter on XX/XX/XXXX, via certified mail, which was received on XX/XX/XXXX. USPS Tracking : XXXX Today is XX/XX/XXXX, and I have received no response. I am requesting that this item be removed from reporting to the credit bureaus, as I have received no proof that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently received a Citi Advantage Card for traveling. Within the first week, I traveled to Cali, Oklahoma, Texas, and back to Florida, racked up a little over 11k. Paid it off, no problems using my card. Today, I purchased a {$4.00} coffee with the card in Florida, and I get hit with fraud alerts. They block my account. I literally got this card because I travel so much. I call them up, I give them my secret word, my address, my name, my social, my phone number, everything that a normal bank or cc company would ask to verify your identity. Then, she asks if she can send a text to my phone and I said sure. She puts me on hold, and then says, " I'm sorry sir, I can not text that number, do you have a landline or another cellphone number. '' Uhh what? I applied to Citi with my cell, everything I log in to Citi website, I use 2FA which send a text to my phone. Plus, how do you send a text to a landline? I said no, this is my only phone. Then she rudely asks if I have other credit cards, and to provide her with my cc number and bank to verify my identity. Ummm. Why would I do that? Why would I give someone who sounds like a stranger my credit card information from a different bank? How is that secure? What if she writes it down? I just don't get it. Then she said " Well then, I can't help you, but you will receive a letter in the mail within 10 days and you can call back. '' Wait, what? I have to wait 10 days to use my travel card, when I travel everyday? What is the point of this card? and how is this verification process legal? I just don't understand. I have about 15 cc accounts with many different banks such as XXXX, XXXX XXXX, XXXX, XXXX, XXXX, etc. and never had such an uncomfortable customer service experience, felt so unprofessional, and like she was fishing for information that is not in their system. That's not cool. It shows that anybody can spoof my identity through Citi. What if I lost my wallet? obviously there are other cards in there. What if a thief gave their own cell number after the rep said she can't verify with my number ON FILE? Makes absolutely no sense.

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 2017-06-17
Company: Ditech Financial LLC
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: Account status incorrect

Complaint:
I am  XXXX   XXXX  military and received permanent change of duty ord ers in 2014. Due to time constraints I had no choice but to select a hardship short sale option as entitled under federal law. Once the sale was final, I continued to receive threatening calls from Green Tree to pay the remaining balance of which I was forgiven. I did not suffer penalty under federal tax laws. I was not informed that the reconciliation would impact my credit and was resolved to the fact that it would n't, as a derogat  ory status did not appear on my credit report for up to a year. I recently discovered that Green Tree submitted my account to collections as there is now a derogatory status from a company called DITECH. I have submitted a dispute to   XXXX   XXXX   XXXX     XXXX   shows the account as settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I was scammed by a person on XXXX who was claiming to be someone who I could by concert tickets from. I contacted Chase customer service to see if they could stop or cancel the transactions, but they said that they could not because the money had already gone through to the other person 's account because I sent it on XXXX. They gave me a different phone number to call, so on XX/XX/2021, I called this other number for Chase customer service and the woman I talked to helped me file a claim, but also told me that the only way for me to get my money back was for the individual to send it back. She told me that they would be in contact with their service provider and I would likely hear back in 5 business days. I told them that it was a scam and the person would not get back in touch with me. They gave me the phone number for reporting fraud, so I filed a report about fraud. I would just like my money back and I have tried reaching out and requesting the money back but I have not heard back from the scammer. Chase said in the event they could not refund me the money since I was the one who sent it. I sent this person a total of {$500.00}. It was in four separete transations. three of them went to the same email on XXXX and the last one went to a different email on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: CO
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I received an email from Chase stating I will be receiving a new Debit card in the mail because mine was at risk for fraud. On XX/XX/2018 I had a fraudulent charge committed on my debt card in the amount of {$260.00} at XXXX. The transaction was in city I have never visited in my entire life. That same morning the charge was done, I immediately contacted my bank during work to file a claim. Chase temporarily credited me the money back into my account while they did their investigation. On XX/XX/XXXX, Chase issued a claim reversal stating because the transaction was PIN verified it was not considered fraud. The also stated when I called to report the fraud it was stated I had my debit card on me, which I did. So because of that they felt it was must have been me that used the card to make that charge. They did not take into consideration the email they sent to me 1 day prior to the fraudulent charge that my debit card was compromised. I was beyond shocked that after over 4 years of being a loyal client my claim was denied the for 2nd time. I felt like not only was I scammed by whoever made that charge but also by Chase, who knew my debit card was at risk and did not preventive measures to protect me. Instead, they the fraud happen and then denied it was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02
Company: Firstsource Business Process Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from One Advantage , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( phone # XXXX ) with my name but a different person 's name in the Account Name field. It says that the Creditor is XXXX XXXX XXXX ( M ) and that it's for a date of service of XX/XX/XXXX for {$110.00}. We don't live in Missouri or do business in Missouri. It states nothing of what the debt is for and states that I have been placed in collections. I tried calling within their regular business hours immediately upon my receipt of the notice in the mail ( XX/XX/XXXX ) and I was placed on hold with a voice recording that promised to connect me with a person ( the voice recording was in both English and XXXX  ) and then after waiting it automatically switched me to an answering service stating to leave a message. This sounds like an illegitimate business. The message I left on their voice recording is that I was calling to report fraud. When I looked up One Advantage with the XXXX  there were numerous complaints and it said that it's not an accredited business and that it has only been around for 5 years. It also seems predatory because the XXXX  lists One Advantage , LLC with a Florida address for the business and not the Indiana address on my letter. The fact that I haven't received ANYTHING in the mail prior to this from XXXX of Missouri makes me suspicious. Any company is going to try to bill their own debt first before sending it to a collections company. I have not received any bills and have no idea what this debt is for or if it's even legitimate. The information is vague and I feel like it's a scam since the date of service listed is from 3+ years ago and I have no knowledge of what this is. I open and deal with all of the mail for our household and would have seen a bill and addressed it 3 years ago. The letter that I received from One Advantage , LLC on XX/XX/XXXX states that I have 30 days from the date of the letter ( XX/XX/XXXX ) to dispute the charges. I tried calling to do this on XX/XX/XXXX and I am going to mail a letter. My concern is that I can't send a certified letter to a PO Box . So how do I certify that they actually get my written dispute letter within the 30 day window that they require. There is no place to dispute this claim online with the company. In fact, the company web address has another mailing address listed as One Advantage , LLC, XXXX XXXX XXXX, XXXX, IL XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
i have a capital one credit card but it shows like i was late 30 60 and 90 days i spoke with a credit counselor and they told me to contact the credit card company to fix this problem with the credit bureaus but capital one its not doing it so i have to file a complaint to see if you can tell capital one to remove what is showing from 3 years ago that still shows like it happen recently

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
While receiving payments via Venmo and Paypal, it is not clear that the funds stay with those services until I manually log in and request that the money be transferred to my checking account. In both cases, the money rests with them and does not collect any interest.

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 2022-09-09
Company: Block, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square Inc. took {$210.00} from my bank account on XX/XX/2022 stating that XXXX ( an email that I have never used nor heard of ) has been connected to my business account- XXXX XXXX XXXX. This is the extent of the information regarding the negative account balance they will give me, they will not tell me what the amount is, where it was charged or how it was charged, nor given me even an actual phone number to call a representative on so I can prove this wasnt me. Now as of XX/XX/2022, Square has withheld a deposit of {$270.00} from transferring to my bank account, siting it was to again resolve a negative account balance, but this time it was for my business- XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Their investigation did not fix an error on your report

Complaint:
MY INFORMATION WAS COMPROMISED. I FILED FTC REPORT AND CONTACTED COMPANIES, BUT IVE GOTTEN NO WHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on Transunion XXXX - XXXX, Transunion, XXXX  XXXX XXXX - Transunion These accounts are reporting due to fraud.

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 2018-12-07
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX I was heavily encouraged by Wells Fargo to open a safe deposit box. I opened the account on XX/XX/XXXX and never used the box. In XX/XX/XXXX we relocated to New Mexico and I closed my safe deposit box because I had never used it and it would do me no good in XXXX, Wyoming. I did continue banking with Wells Fargo utilizing a savings account, checking account, and retirement account -- all of which are still in use today. I never heard anything additional in regards to the safe deposit box, and didn't anticipate to since I had closed it in the branch prior to moving. On XX/XX/XXXX Wells Fargo removed {$40.00} from my savings account to pay for the safe deposit box they claim was never closed. Not only had I closed the account over 4.5 years prior I have never given Wells Fargo consent to withdraw any of my funds for any reason. On XX/XX/XXXX they deleted the transaction and credited back my {$40.00}, but they are not willing to close the safe deposit box I already closed without me jumping through hoops for them, and the representative I spoke with today informed that they could not assure me they would not take my funds again in the future if that account shows open.

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 monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: PA
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Genesis FS Card Services, Inc.
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
A purchase was made in my name through Genesis FS Card Services with a transaction on XX/XX/15 from XXXX-XXXX  office purchase of {$1300.00}. I have contacted Genesis FS Card Services and they filed a report and also told to file a report myself. Whoever open this account has my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: OH
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:
I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX  my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI 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