BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX  credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). TransUnion has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, XXXX has not reported my balance decrease to TransUnion, or TransUnion is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped XXXX points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable 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 2018-05-07
Company: CITIBANK, N.A.
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of  COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2022-08-29
Company: JPMORGAN CHASE & CO.
State: CA
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:
I landed in XXXX on XX/XX/2022 at the XXXX airport XXXX XXXX. I rented a car from XXXX for USD XXXX at around XXXX local time. I signed the rental car agreement and paid with my chase sapphire credit card ending in XXXX. I lost my card at the rental car station and that was the last time I remember having the card on me personally. 

A few days later I noticed a charge from XXXX XXXX. I tried calling XXXX XXXX merchant and I could not get in touch with the merchant. I checked my chase app and I noticed several credit card charges at fashion and clothing stores at a mall that was more than XXXX miles away from my temporary place of residence ( XXXX XXXX XXXX XXXX ). I called Chase and they mailed me a new card ending in XXXX ( which arrived almost 7 days later ) and reversed the charges. The card was never in my possession. during this time. 

I tried making a police report but was unable to do so as I did not have an XXXX XXXX id ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and I did not have a method of paying for the police report ( My replacement card was yet to come ). I was not able to communicate with the merchants where the fraud occurred as I was in a XXXX XXXX. 

I returned to XXXX on XX/XX/2022. A week later I noticed a fraud charge from the rental car company XXXXXXXX XXXX on my " replacement '' card XXXX. This was after I had returned the car and was given the closed rental car agreement, proving that I did not have any outstanding charges from them. I immediately called Chase and they canceled my card, temporarily reversed the transaction, and put a block on the merchant. They mailed me a new replacement card ending in XXXX. 

I received a call from Chase fraud department on XX/XX/2022 and I asked them if I would be liable for the fraud charges. Chase could not confirm that I would not be liable for these fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was taken out on XX/XX/XXXX for {$900.00}. Big Picture Loans have been deducting {$250.00} from my checking account bi weekly. I wasn't aware of the apr of the loan was 670.3853 %. I have already paid {$2400.00}, but according to the the account this is all going to interest and nothing to principle. I have revoked the ACH authorization, the contract doesn't end until XX/XX/XXXX. Meaning I would be paying over $ XXXX on a {$900.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XX/XX/2017, I submitted documents to Experian and XXXX  showing that I demanded debt validation from XXXX XXXX XXXX XXXX. Experian and XXXX concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** 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 ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$260.00}

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 explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My attorney called XXXX of Well Fargo to let her know I was going to sign the Loan Modification after accepting it by paying and continuing to pay the new payment of XXXX. When he called she told him the deal was off the table and I would have to refile for a new modification which I did in XX/XX/XXXX. Since sending in the papers no one contacted me. I called to check on the paperwork and they said according to the CFPB that you can only file within 3 years. I filed for my first modification in XX/XX/XXXX and now in XX/XX/XXXX. How can they get away with Taking my home when they said I qualified for the new modification and took it off the table?

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 2017-08-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Equifax report shows many collection that does n't belong to me. Are result of identity theft. None of those collection accounts are linked to my Social Security number. Some of them are using my name as a stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on a mortgage with Citizens bank over a month ago and they keep telling me that they have 'lost the loan ' and I need someone to actually 'find it ' and set it up so that I can start paying it back. Additionally they held back funds for me to complete landscaping outside my house and will not release them nor have they been able to get anyone out to review the completed work to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a human being. I am a living human being. I have rights under 15 USC 1681. 

Equifax XXXX and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX Transunion and XXXX is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX  XXXX XXXX  acct # XXXX XXXX  XXXX bank acct # XXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day, this company calls me at least 3-4 times a day. It started as two calls and then went up to three calls a day and now they sometimes call me as many as 5 times a day, all usually made before XXXX. Sometimes they call from the same number, other times they call similar numbers ; for example, one number they call me from often is ( XXXX ) XXXX and another they often use is ( XXXX ) XXXX. They 've also used ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX as far as I know. On XX/XX/XXXX, I received a two calls from Transworld Systems Inc. I answered the second call at XXXX XXXX. They informed me of who they were and I requested for them to not call me. The following day, on XX/XX/XXXX, I received another call from them, but this time the number was blocked. I asked who it was, they said they were a debt collector from Transworld Systems Inc, I immediately hung up. I answered another one of their calls on XX/XX/XXXX at XXXX XXXX from phone number ( XXXX ) XXXX, asked them what they were calling in regards to. They told me they were a debt collector from Transworld Systems Inc. I told them to stop calling me. On XX/XX/XXXX at XXXX XXXX they called again from another phone number. I asked who they were and they told me they were a debt collector. When I asked what company they were collecting for, they hung up. The following day, XX/XX/XXXX, they called from the same number ( ( XXXX ) XXXX ) 4 times before I answered their call at XXXX XXXX. I asked them, again, what company they were with. They told me XXXX XXXX XXXX. I told them once again to stop harassing me and hung up. They have woken me up on numerous occasions and several times within the same morning due to the number of times they call. It has gotten to the point where I now keep my phone on silent, which has resulted in me missing very important phone calls ; two of which were job opportunities. 

I can send screenshots of the call logs if needed. I can also provide further details for specific calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: NE
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:
My Experian credit report with another individuals name and All my personal information was sent out without my consent or knowledge.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: NJ
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 credit alert shows that someone is using my social security number for fraud activity Also my credit score went down XXXX points Although my credit is frozen The credit bureaus couldnt protect my information even when my credit is frozen.

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 2020-02-18
Company: Telsa Motors Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
job number XXXX inv # XXXX {$2700.00} previously I had a balance of XXXX and its been going up as I don't take care of it but I am not paying something that I don't owe!! people from XXXX knew my panels were never turned on!!!!! and yet they want money from me I tried taking care of this issue but it seemed they still want to steel my money they are harrasing me and my husband and even my sons they need to stop and now we received call saying to just pay {$500.00} and everything will be closed and some other representatives say pay XXXX and close account!!! I'm tired of them calling me and asking for money I don't owe at the same time being how could I have paid sp much electricity thru XXXX XXXX  XXXX and still owe them too why in the world would I think I OWE THEM! if I have paid my electricity bill thru XXXX XXXX XXXX I need a perfectional investigation to help out and see we are willing to pay them what is real owed to solar city if panels where on for what period of time and an explanation of why we stilled paid XXXX XXXX XXXX and if I need a reimbursement from XXXX XXXX  XXXX back. if you can see I did a claim already and nothing worked! you will find the original statement and balance its not fair to be harrassed like that and pay something you now you just don't owe! reasonable for the time fram saying that panels were on for what they said is $ XXXXNOT {$900.00} OR WHAT THE LAST LETTER IS ASKING FOR. 
nothing was explained thru them everything was more of a hurry to get us screwed in its all supposed to be for a better benefit and saving not money Steelers. they say we need to have panels remove they can come take them away anytime!! if they are just on top of my house for no use never turned on or anything wont make a difference but if they are will to do things right and turn them on and start fresh the correct way a company should specially them being such a big company I have neighbors that are also dissatisfied with them as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
They discharged and forgave the loans reported them as discharged, then the law office debt collectors still pursuded unlawful foreclosure. They gave fraudulent info to the court to obtain a judgment for loans that were not ours against even our children who were not on the loans or deed to our home. Ruining their credt too. Then after they sent a letter to the sherriff to not conduct a sherriff sale for the reason that the debt was forgiven and there was a XXXX balance on the judgment, then severalmonths later the same law firm collector tried to conduct a sale anyway with no notice and is trying to unlawfully obtain possession of our poroperty. The Bank made a settlement with me to dismiss the claim, but then again would not take what they told me to send them. This collector Law firm has serveal cases where the judge in one opinion of the supreme court upheld sanctions against them for fraud, submitting complaints fraut with errors, and the judge said it was worth to not that the company XXXX has been under serious scrutinization because of their fraud and he knew of 23 other such cases in his district ALONE he wrote in his opinion. I have somewhat figured out what they do, and they need to be prosecuted and stopped. I will provide what I have learned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Avant Holding Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Around a month ago, I called Bank of America through the app. During such a call, I asked to transfer refund on my credit card to my checking account. The representative at the time said it was not possible. However, sending a check was possible. 2-3 weeks later, I call back. This second call, the guy said it was possible to transfer between account and it was faster. Since it was this late, to wait one more day to see if the check arrived. Did not arrived. Third call, I ask to place a stop on the check and ask to start the transfer. They agree. Some times later, I found out they send out another check instead of initializing the transfer between my account. The amount of time I called for this mistake to occur mean I'm either unlucky, Bank of America has really bad customer service, or Bank of America facilitate keeping money in their arsenal for as long as possible. It's really feel terrible to not have cash to pay for a promise just cause of something entirely out of my control. I guess if you're poor, you should avoid credit cause 1-3 percent cash back is not worth it. Credit score being as big as it is kinda 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 monetary relief