BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-23
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2023 I opened XXXX business checking accounts with XXXX XXXX XXXX XXXX XXXX city XXXX. I used a promo code to get {$750.00} per account with a deposit of {$15000.00} per account. I deposited the $ XXXX in each account at the time of opening the account. The terms were stated and verified by XXXX that the $ XXXX sit there for 60 days and the {$750.00} promo would be deposited within 45 days after the stated 60 day promo period. The 105 days has passed at this time and I have been getting the run around from the XXXX # .. And XXXX has failed to response to me. Today XXXX reached out and stated that I was not getting the promo because I never used online banking. XXXX attempted to open my online banking the day of account opening and failed to get it opened. I was never told this was a term but I do have an online account that I have used. He is now stating I have a personal online account and not a business online account. I have no personal accounts with US Bank, so I have no idea how I could only have a personal online account as my business accounts are the only accounts listed on my online profile. I am owed {$2200.00} dollars from US Bank and they are stating they are not going to pay me. My {$45000.00} dollars has been tied up for over 105 days to get this promo and they are not following through with what was promised by XXXX at the beginning of XX/XX/2023 when opening the accounts. I need my {$2200.00} promo ASAP as it is over the 105 days stated that was the XXXX time before being paid the XXXX. XXXX XXXX can be reached at XXXX. He is a liar and failed to provide what was promised in XXXX at account opening.

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 2023-08-23
Company: Shellpoint Partners, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The complaint number XXXX has not been fully addressed. No correction was made to correct my credit score and their explanations are incomplete and border on outright lies. I was never late on the account and they were paid in full. I had a right to ask that the corporate fees I owed were correct and made payments on those fees for 2 months after which I paid them off but still received no additional response. I was given money back which proves I was right when I said I was being over charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my Clarity consumer report I must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries, housing in
formation, housing status, income, employment, and banking information should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, 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:
I have made many attempts to dispute the XXXX  account that is reporting on my Equifax profile. This account does not belong me. I have submitted an FTC form to Equifax and Creditor and this account has not be removed. Please assist me in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I've some stock options from my employer company, I sold some of these shares and asked to transfer for my bank account in XXXX. It's a very usual operation, but is the first time I'm doing that with XXXX XXXX ( JP Morgan Company ). This operation was done in XXXX, the estimated time to receive the payment in my bank account was XXXX, usually this operation take hours, not days. I called XXXX XXXX everyday since the last 7 days, nobody can solve the problem, and telling me to wait because they don't what's happening. Passed 2 weeks ( today is XXXX ), they don't give any consistent information and I don't have my money transferred, I've bills to pay and they are joking with my money. 
When I called him the first time, they told the was done, I asked the receipt and some information to check it with my bank and they didn't give that. Today, I called again and they told me, they don't have the information and are contacting my bank. It's unacceptable situation and os penalizing me as a customer, so I asked your support to solve this situation. 
Support case registered in XXXX XXXX system : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSWORLD SYSTEMS INC
State: AL
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:
XXXX XXXX XXXX is in violation for stated codes below. Company has no permissible propose to furnish my consumer report according to the FCRA. None of the permissible proposes provided below are reasons that company is providing my consumer report to other CRAs.

The FCRA prohibits CRAs from furnishing consumer reports except for certain permissible purposes, Section 604 ( a ), 15 U.S.C. 1681b ( a ), and prohibits persons from obtaining consumer reports for any reason other than those permissible purposes, Section 604 ( f ), 15 U.S.C. 1681b ( f ). Additionally, a user must certify truthfully that it is obtaining the consumer report for a permissible purpose. Section 604 ( 1 ) ( 2 ), 15 U.S.C. $ 1681b ( 1 ) ( 2 ).
33. The FCRA restricts requests for consumer reports to the permissible purposes enumerated in Section 604 ( a ), 15 U.S.C. 1681b ( a ). Pursuant to the limitation in Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ) : " A person shall not use or obtain a consumer report for any purpose unless.. 
the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Early Warning services did not do a fully investigation on the following fraudenlent accounts Banks that were open up fraudenlty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated daily calls on my primary phone which I get spam calls all day so I ignored all Called me on my work phone and spoofed their number to be called from my employer to get me to answer? Is that even allowed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received 2 American Express gift cards and attempted to use them at XXXX and XXXX American Express 's deceptive advertising materials say, " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . ``. This is false and fraudulent.

I attempted to use the card at the largest online retailer in the world, XXXX, who takes american express, and says that they accept amex gift cards. I attempted to use the other card at XXXX who has the same policy. XXXX researched the transaction and told me AMEX had declined the transaction. Both transactions were for less than the card balance, on cards that were active. 

When I contacted AMEX, I was told that they declined the transactions, as " in order to protect customers ''. This is deceitful and deceptive. Amex prevents the cards from being used places customers are likely to use them and 1. doesn't inform either buyers nor users, who don't discover until having valid purchases declined, causing material and financial harm to users. 

Please note that when I called AMEX to research why the card wasn't working, they left me on hold. For the DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Affirm Holdings, Inc
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Three months ago I took a loan from Affirm to purchase professional services from XXXX XXXX XXXX. Due to the company failing to deliver the service I opened a dispute case with Affirm. Affirm confirmed that I wouldn't need to make payments while the dispute was under review. It took Affirm around 6 weeks to resolve the issue. While the dispute case was open and I was told to not make payments Affirm reported my loan delinquent to credit reporting companies. I reached out to Affirm for an explanation but they are not responsive and refuse to provide explanation. This wrong report has damaged my credit history and score yet Affirm is not responsive for their mistake. My loan number with Affirm is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I owed XXXX XXXX {$2500.00} i reached out to them to pay it and they stated to reach out to the IQ Data collection I paid the amount owed however they are stating this case was sent to their lawyers and we owed them lawyer fees and interest total {$1700.00}. He stated we also have a court hearing which we never received got very aggressive in the phone call and stated what are you gon na do about it! I informed him its a good thing this was all being recorded since he was being very unprofessional. He also stated that they will be garnishing our wages soon if we didnt pay the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
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:
I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a phone call on my cell phone, XX/XX/XXXX at XXXX XXXX  from phone number ( XXXX ) XXXX. The man said he was a Best Buy employee, however, I could hear the wind in the background. He then asked me if I ordered a camera from Best Buy and asked my name. I told him my name and said I never ordered anything from Best Buy. After hanging up the phone, I called the phone number back only to find out it didnt exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Chime. I followed them on instagram where they have a ton of followers. Someone from the page said that Chime is doing a sweepstakes and listed the ways you have to qualify. I did what they asked which was name 2 reason you deserve the {$1000.00}, follow the page and post on my own page. When i didnt that someone directed messaged me saying i won and to verify my account. They sent a link that asked minor questions ( my cash tag, phone number, name? ). Of course i didnt see the money deposited, and just thought it was another scam i dodge to discover 3 days later, on my pay day someone sending themselves money. I contacted chime support and it took them 3 long days to deny my claim. When i asked to speak to a supervisor they informed me there may be no use in speaking to them, set up a call back with a supervisor that suppose to take 4 hours and than ended the conversation before i could get a word out. They also mentioned after this situation on the official site that they would never text you or even talk through another app all their conversation are held through chime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I terminated services with XXXX XXXX end of XX/XX/XXXX. I didnt not receive a bill in XXXX. I called in XXXX and was told by XXXX XXXX representative that I owed nothing. I received a bill dated XX/XX/XXXX that I owed XXXX dollars. On XX/XX/XXXX XXXX XXXX billed my bank account for {$230.00}. Bc they did not bill me in XX/XX/XXXX or XX/XX/XXXX I was able to have my bank reverse the payment. I received a bill stated XX/XX/XXXX that I now owe {$250.00} which includes a {$20.00} return payment fee. I spoke with XXXX XXXX multiple times that I dont owe anything according to the bill I received from XXXX XX/XX/XXXX stating that I owed XXXX dollars. And that I would need an itemized bill explaining the debt. And mentioned they have not bill me since XX/XX/XXXX. Which was paid on XX/XX/XXXX. XX/XX/XXXX I received a letter stating that I owe {$250.00}. XX/XX/XXXX I received a final notice for {$250.00} if not paid account will be turned over to collection agency. XX/XX/XXXX I received another bill from XXXX  stating I owe {$250.00}. XX/XX/XXXX I received a letter from AmSher collection services that I owe {$320.00}. Needed to dispute the debt by XX/XX/XXXX which was required by the collection agency. I did. And the collection agency received my dispute. They were supposed to stop all collections on the account till the debt was validated. As per XXXX XXXX, On XX/XX/XXXX AmSher collection agency reported to my credit report. XXXX XXXX then sent me a letter dated XX/XX/XXXX stating here is the information I requested. Showed that on XX/XX/XXXX bill for {$320.00} which includes {$64.00} for one time charge for collection fee. I receive another letter from XXXX dated XX/XX/XXXX that I requested a copy of an invoice. The invoice is dated XX/XX/XXXX and states i owe XXXX dollars. I have not received any response from AmSher collection agency nor an itemized bill from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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/XXXX, my wallet was stolen from my work around XXXX and my Chase card was used for unauthorized transactions later that night around XXXX and around XXXX on XX/XX/XXXX. I filed a claim with Chase ON XX/XX/XXXX to dispute it and the dispute was denied on XX/XX/XXXX. These transactions were denied, but these transactions were not authorized by me. 

1. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$10.00} 2. 
XXXX XXXX XXXX # XXXX XXXX XXXX CA XX/XX/XXXX : {$18.00} 3. 
XXXX - XXXX XXXX XXXX CA XX/XX/XXXX : {$27.00} 4. 
XXXXXXXX XXXX XXXXXXXX CA XX/XX/XXXX : {$50.00} XXXX. 
XXXXXXXX XXXX XXXX XXXX CA XX/XX/XXXX {$61.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX IS IMPROPERLY REPORTING UNVERIFIED PUBLIC RECORDS AGAINST MY CREDIT FILE, AGAINST FCRA AND VIOLATING MY RIGHTS. I HAVE ASKED SEVERAL TIMES THAT THEY CORRECT THIS BY PROVIDING HOW THEY VERIFIED THE PUBLIC RECORD AND THEY HAVE NOT. THE ONLY METHOD TO CORRECTLY VERIFY THE PUBLIC RECORD IS TO OBTAIN THE INFORMATION VIA THE CLERK OF COURTS. TO DATE XXXX HAS IGNORED ALL MY REQUEST TO REMOVE FROM MY CREDIT BURUEA WHICH IS NOT REPORTING IN ANY OTHER BUREUA. I DEMAND XXXX FURNISH THE VALIDATION INFORMATION OR DELETE THIS RECORDS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: T.S. Holdings
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company indicated on XX/XX/2023 that the information was removed and it is showing with a social security number that is not mine. I have reported this to the credit bureau and it is under investigations. I am requesting this error to be removed from my credit file immediately as indicated by the company.

Company response to consumer: Closed with explanation