BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Rausch Sturm LLP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX I was sent a letter and a civil citation stating I owed {$6100.00}. The petition said I owed XXXX and was turned over to XXXX XXXX XXXX XXXX. Rausch Sturm LLP represents XXXX. 
I wrote them a letter XXXX XXXX, XXXX letting them know this wasn't my account. I didn't hear anything until XX/XX/XXXX stating in a letter that they take these matters seriously and is under review. I responded again on XXXX XXXX and XXXXXXXX XXXX.Since that time I '' ve received notices and now a judgement against my mortgage. I have responded to each notice in writing, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XXXX. I've even written a letter to XXXX XXXX Court House disputing this charge, XX/XX/XXXX. I also filed a Motion to Set Aside Default Judgement and Notice of Hearing on XXXX XXXX, XXXX. 
I've made multiple calls to Rausch Sturm collection agency and spoke to several employees on XX/XX/XXXX, XX/XX/XXXX nd XX/XX/XXXX trying to get this taken off my mortgage as a lien against my home. It has caused hardship since I could not refinance and get a lower mortgage payment and I am out the appraisal cost. My employer runs back ground checks periodically and this judgement agaisnt me has also caused a hardship on my job and a fine against my department. One of the reps at Rausch Sturm said I needed to file an affidavit which I did on XXXX, XXXX. I received another call from them on XX/XX/XXXX stating there hasn't been any movement on this case and they are mailing me another affidavit to file again. This has been going on for almost XXXX years. 
I need to file against XXXX XXXX, Raush Sturm and XXXX as I have mailed many letters and called numerous times disputing this account to no avail.

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 2021-04-15
Company: United Collection Bureau, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am trying to qualify for a mortgage. When my credit was pulled, the collection account showed and I was advised to pay it off. Paid it via e-check but now they refuse to provide me with a statement or speak to the credit bureaus to state that it has been paid for at least 30 days. I asked if they can just put a statement on my account that I authorized them to speak to XXXX and advise them the account has been paid but they have refused. I explain that everything has already cleared my account and I just need something in writing to give the credit bureaus but they have refused to update status of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX and XXXX they never responded to these and are still open and the description of what took place is very outlined and it was all and ceated by wells fargo they lied/remove/delete and added all kinds of activity please read all the explanations and they are trying to get away with everything and was created by them please look at the explanations and they also deleted all kinds of statements and added all kinds of activity that had nothing to do with me and created all these accounts. enough is enough

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate XXXX  XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I am curious as to how someone was able to apply for accounts for business/credit when I already had a security freeze on my credit file please remove the following inquires : XXXX XXXX, XXXX, XXXX XXXX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I used to have a savings account with Capital One Bank. I received an email from a person named, XXXX XXXX in XXXX 2014, who had checks in my name in the amount of $ XXXX.and {$3800.00}. I deposited the two checks in my savings account, withdrawn some money and took the money to XXXX XXXX to help other people in need in the XXXX. I was blind too not know XXXX XXXX was a scammer and swindled me for my money. I got a call from a Fraud Investigator, XXXX XXXX of Capital One Bank about my savings account. XXXX XXXX informed me that my account was frozen, since the scammer took all of my money out of my account. I asked XXXX XXXX if he will get my money back. XXXX XXXX replied, that he will try to get my money back. I provided XXXX XXXX, the necessary information pertaining to my savings account with Capital One Bank. Capital One Bank wanted me to pay out fees not covered from my savings account. As of date, XXXX XXXX, Frauds Investigator has not contacted me with an outcome in regards to my money. I would like to know the Fraud Investigator, XXXX XXXX never got in touch with me in three years. This is unethical of XXXX XXXX and not professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to XXXX supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so XXXX can take those innacurate 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 that are hurting my credit score and I cant take a home because XXXX is refusing to remove information that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a member of the South Carolina XXXX XXXX XXXX. Back in XX/XX/XXXXI transferred my apartment at XXXX XXXX XXXX to another student at XXXX XXXX University. Her father wrote a transfer fee check and I paid her first month 's rent. XXXX XXXX never cashed her father 's check because it was my responsibility to cover the transfer fee. I was never informed of this nor was I contacted by XXXX XXXX about this outstanding balance. However my distaste does not reside with them. 
I have been over seas on XXXX training for a month, XX/XX/XXXX -XX/XX/XXXX and then recently came back and moved to my new home in NC XX/XX/XXXX. After a week of being home I was contacted by Hunter Warfield,  XX/XX/XXXX, they were at first polite explaining the situation they had supposedly also contacted my mother. After speaking with my mother and then the apartment complex I had found out what had happened. 
This morning I was contacted again by Hunter Warfield at XXXX, XX/XX/XXXX, this time they were very agitated and begun to get quite rude with me. They told me they have been they have been trying to collect this debt that I had not heard of until a week ago and that they have been attempting to collect it over a month. Again I tried to calmly, but sternly, explain I have not been here for a month and I have been investigating the matter since they had contacted me. That is when they said they were going to charge me. I then asked what they were going to charge me with. They said they were going to charge me, and send this to a credit report agency. Then told me that they had taken my response as that I was not going to pay the {$300.00} debt. Once he stated this, he then proceeded to quickly hang up on me. 
Please understand I never said I would not pay the debt. I then called back the apartment complex to tell them my experience and they apologized greatly astonished by they lack of professionalism exhibited by Hunter Warfield. They then explained to me that since they themselves were never able to contact me ( since I was on a XXXX ) that they would be so kind to remove the debt from the collection agency. 
I have never been treated with such arrogant and ignorantly placed hostility when approached. I would have expected a greater amount of professionalism from a 'law firm ' trying to collect payment, cruelty and threats is not the way to accomplish any goal in business or law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
Company: IQOR US INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
-They have called multiple times a day since XXXX. 
- They never sent me an initial letter. 
- They never had permission to call me as I revoked permission to call me with XXXX XXXX before I ever owed them money. ( which I dont owe them money ). And I revoked the arbitration clause as well ( which is unrelated to this ) -I had told XXXX XXXX my mailing address which was not the address on my license so they should have had it. 
- They call before XXXX frequently. 
- They won't tell me when they initially supposedly mailed the first letter. 
- I was dealing with alot of XXXX, baby being sick, being XXXX, XXXX XXXX, having my XXXX and baby taken out and these people were still calling. 
- I even went on a vacation and they were still calling. 
-Before I even asked them why they were calling me in XXXX I noticed there number was calling me. I had someone look up the number and give me their name and address. I mailed a letter to them asking to not call me anymore in XX/XX/2018. Nothing stopped. 
- I finally started calling them back and researching their website and sent a few emails. 
- There phone calls have really annoyed me and my family. 
- They hace disturbed me and my family waking us up out of our sleep. 
- I am tired of them. 
-They have called so much. To much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a claim on a fraudulent charge with XXXX and they deemed it not fraud. It most certainly is fraud. XXXX has scammers on their site selling listings that are not real. I showed up to check in and it was not the purchased unit. I complained to XXXX and they did not care so I turned to my bank to help me with this. They reversed the charge and now Chase is fraudulent in reversing the charge on a fraudulent transition. Neither company did their due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the information with Equifax and they continue to report information that was disputed in XX/XX/2019. This is not my account and I've completed an identity theft report. I was part of the breach through Equifax and informed them in the past that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am filing this complaint against BMO Harris Bank. 
This bank stopped my debit card and will not send a replacement card and hence I have no access to my money. 
I have contacted their customer service numerous times and they will not send me a replacement card nor close my account and send me my money. As a result they are keeing my money and preventing me from accessing it.

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 2022-08-31
Company: EQUIFAX, INC.
State: NC
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:
This agency is reporting inaccurate information on my consumer report and it has been affecting my livelihood for quite some time. I have attempted remedy for a number of years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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: Account information incorrect

Complaint:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate XXXX  XXXX XXXX  XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. I am curious as to how someone was able to apply for accounts for business/credit when I already had a security freeze on my credit file please remove the following inquires : XXXX XXXX, XXXX, XXXX  XXXX/XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/20, a purchase protection form was submitted to Card Benefit Services along with supporting documentation for the claim. Since XX/XX/20, I have reached out to the benefit administrator multiple times, both through email and phone call. I was told that the file had been updated many weeks ago, yet the claim is still in pending status and absolutely no follow up has been completed from the benefit administrator 's side. All documentation that was requested, both at the time of submission ( and initial follow up ) has been completed, but at this point, after multiple calls and no response, I have been forced to file a complaint through CFPB. As a loyal Chase customer of many years, I am extremely disappointing in how this situation has turned out. 

Claim Number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02
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:
I check my credit report and seen some unauthorized 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 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
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX XXXX XXXXXXXX {$15000.00}

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 2022-08-31
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: Their investigation did not fix an error on your report

Complaint:
I have a XXXX  credit card with XXXXXXXX XXXX and they reported that I have a 30-day late payment for the month of XXXX, 2022 on XXXX XXXX, 2022. I did not miss a payment nor was I late for the month of XXXX in 2022. I have had 100 % of on-time payments and this situation is very frustrating and severely hurting my credit. 

I called the company and was unable to resolve the issue via phone. They told me to write a letter to the credit bureau department and I did. I sent the letter certified and it was received by XXXX on XX/XX/XXXX. XXXX has yet to resolve the 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 non-monetary relief
Consumer complaint received 2022-03-06
Company: Byrider Franchising, LLC
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: Investigation took more than 30 days

Complaint:
I have been disputing this issue for over a year now with CNAC. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to XXXX which I was given by CNAC which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called XXXX and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation