BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employer : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DP OF EDUC 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 2021-08-06
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed by someone I met online. They asked me to cash a check with I later found out was a bad check followed by them asking me to transfer Bitcoin to them in the amount of {$950.00}. I later called Cashapp who I made the transfer with and they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in late XXXX I called Mountain Run Solutions to take care of this collection for XXXX dollars. After giving them all my personal information, they still could not locate the account. At this point it seemed pretty clear that this collection was on my credit report by mistake. I then called XXXX to dispute this account because if Mountain Run can not locate the account, it should not be on my credit report. I then checked my credit report in XXXX and the account now says, This item remained unchanged from our processing of your dispute in XX/XX/2021. HOW?! It is illegal for this account to remain on my credit report if Mountain Run can not even locate it. This account needs to be removed from my report immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.

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 2017-08-15
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I owed an amount of {$950.00} to XXXX XXXX. This account was opened in 2015. This bank was closed, and my delinquent account was sold. I am being sued by a law office that I was never in contact with. The bank is no longer in business and I do not have a contract with this law firm. They are suing me for the amount above. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove th

em form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX  Bankruptcy Case Number : XXXX  This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 14. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX Account Number : XXXX This is
not mine.

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 2017-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a HAMP modification with XXXX in XX/XX/2016. They asked me for additional documents and we went back and forth until XX/XX/2016, at which point, they stated that my application was completed and they will review it within 30 days. Approximately 2 days later, I received notice that XXXX transferred my mortgage to Select Portfolio Financing. They assured me that my HAMP application will be reviewed by the new services. SPS received the application and began asking me for new documents. Each document took a week to process. They only asked for a document at a time, which took weeks. By XX/XX/XXXX, I began worrying that I might miss the HAMP deadline ( XXXX ). I called SPS repeatedly and was reassured by their representatives and a supervisor that since I turned in the actual HAMP application in XX/XX/XXXX, I will still be eligible for consideration. During this time, my tax extension that I sent in with my original remodification application expired ( as they usually expire in XX/XX/XXXX ) and SPS asked me to turn in my XXXX forms ( this was on approx XX/XX/XXXX ). This was the last document they needed. I turned that in in the XX/XX/XXXX, which was the soonest I could do so. 
Today, I received notice that SPS has approved me for an in-house modification, but not for HAMP. The reason stated by their service rep, was because I 'missed the HAMP deadline '. I find this utterly ridiculous after being constantly reassured that I will be considered for HAMP and after having applied for it in XX/XX/XXXX. I 've done everything I could do to comply with XXXX and SPS 's documents requests. I 've invested so much time in calling them, faxing them and uploading documents. I took a proactive approach and checked in with them every few day ... only to be told that I missed the deadline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: United Check Recovery Bureau, Inc.
State: NC
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:
I have ATTACHED : POLICE REPORT FTC REPORT ID/ BILL/ PERSONAL VERIFICATION DOCUMENTS TO THIS COMPLAINT I demand to have this removed within 14 days of receipt if not removed i will be seeking Litigation according to FCRA 605B ( 15 USC 1681c-2 and 15 USC 1681a-e ) I have disputed the validity of this account numerous times. Every time its come back as factual and valid. So I want proof within 15 days of the proof and validation '' accurate '' of these account. Pursuant to 15 U.S. Code 1681a ( e ) I want to know name, time stamp, dates, phone number and which the investigation consumer report was done. What family member, neighbor, friend did you talk to say my dispute is invalid and your investigation was factualaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX and XXXX XXXX  I visited an atm to withdraw XXXX and the machine did not disburse the money but the amount was taken off of my card. I contacted the card and they told me that I would have to wait 45 days for it to go through a dispute process. I asked for a provisional credit and they refused. I have nothing to my name and they keep giving me the run around. I contacted the atm provider and they stated they needed a regulation e form from the bank and will refund me the money. They have yet to send the form. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card
Issue: Other fee

Complaint:
An annual fee was posted to my Delta American Express card that I had stopped using ( so I was n't expecting new charges ). I received an email about the annual fee XX/XX/2017 and called the card company to waive the fee and close the card. I was informed that the fee was posted XX/XX/2017 and that since 31 days had elapsed no one could waive the fee since the policy was recently changed to 30 days for fee waiver. 
Now, this is unfair for two reasons. 1 ) This was not the policy when I signed up. When I signed up, you could close the card at any time and be refunded a pro-rated amount of the fee. 2 ) Fees are posted in XX/XX/XXXX -- - a 31-day month. 
The system is set-up for failure and to hurt the consumer. I called at the exactly 1-month interval. I have spoken to all levels of customer service, account management, and member retention. 

Please help me resolve this issue. I have been a customer with American Express for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX  XXXX XXXX ) XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Equifax XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled the items I dispute on the attached copy of the report I received. The information XXXX  XXXX XXXX XXXX XXXX, Equifax Information Services LLC and XXXX  XXXX XXXX XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

I have currently snap shots on my phone displaying inaccurate credit score ratings XXXX  is rating my credit score at XXXX, XXXX  rates my credit at XXXX and Equifax rates my credit at XXXX. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase from XXXX ( " XXXX '' ) on or about XX/XX/2016 and used XXXX credit cards to pay for this purchase -- Amex and XXXX Master Card. XXXX failed to deliver the merchandise in the condition promised and I refused to accept delivery. I disputed the charge with both, Amex and XXXX Master Card. After a lengthy investigation, XXXX resolved the dispute in my favor and issued a permanent credit. Even after XXXX has accepted return of the merchandise, Amex continues to refuse to resolve the dispute in my favor and issue a permanent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
reported a false balance of XXXX owe on my credit report XX/XX/2022. Cant prove to me the original contract. This company has harass me about fabricated debt I not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
Company: CITIBANK, N.A.
State: UT
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:
CBNA is reporting a debt on my credit file that needs to be removed. I have been dealing with them for some time over this account and I can't seem to get anywhere. I purchased a laptop with Best Buy and we set up a payment arrangement to get it taken care of but I returned the laptop because I did not like it. I never was told I was setting up a credit card or that I had a credit card with Best Buy, I thought I had set up a payment arrangement. When I returned the laptop it was within the time frame for returns and thought I no longer had to make payments-the laptop was returned. Well I checked my credit and noticed a charge off? I have called both CBNA and Best Buy and neither can tell me where this debt is coming from or can find an account saying I owe anything. However, this continues to pop up like a charge off and affecting my scores. I do not owe anything, this is a mistake and this needs to be fixed immediatley.

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 2021-08-06
Company: BARCLAYS BANK DELAWARE
State: OK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was charged {$94.00} from a gas station on my XXXX XXXX Mastercard ( Barclay 's Bank ). On XX/XX/XXXX I was charged {$95.00} from the same gas station. These were both on my XXXX statement. I reported it as a fraud, the company cancelled that card and issued another one. My car would never hold that much gas and certainly not two days in a row for that much money. They took the {$94.00} off my bill on the XXXX statement but instead of taking the {$95.00} charge ( from XX/XX/XXXX ), they charged me again {$95.00} ( so that's two charges I don't owe anyone now ). I have called at least 5 times since then to report this and they keep giving excuses. I have a letter from them saying I don't owe anything and the fraud will be taken off but they never do it. They put me on hold for an hour each time I call in hopes ( no doubt ) that I will give up. Something must be done about this company.

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 2017-10-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I presented a registered and recorded Negotiable Security # XXXX to 4 different local Chase branches to pay off the loan for our home. We were directed to their downtown location which is XXXX XXXX XXXX, XXXX, XXXX, TX, XXXX. Upon our arrival. XXXX XXXX who is a XXXX XXXX XXXX for Chase was assigned to help us. I told XXXX XXXX that I was there to pay off my mortgage and that I needed someone to receive and accept it for their XXXX. Upon not understanding what the legal tender was, he called Chase back office for assistance. After scanning and sending a copy of the Security to their back office, we were told that they needed 7 to  14 days to research the security. While waiting for a response from Chase, a Qualified Written Request was sent to them on XX/XX/XXXX via certified mail. They signed for it on XX/XX/XXXX. During this time period, I received calls from Chase employees at least 2 times a week requesting payment and stating that this is an attempt to collect a debt. I stated to them each time that I presented them with a payment and that a copy of it should be in their system while they are researching it. They confirmed that it shows in their system and I should hear from them by XX/XX/XXXX. On XX/XX/XXXX, I received some information ( but not all ) from the XXXX and nothing regarding the Security I presented. Missing information from the XXXX mainly include cancelled checks that made the basis of the loan. On XX/XX/XXXX, I went to a different Chase branch located at XXXX XXXX XXXX, XXXX, TX, XXXX to see if someone could receive and accept the Security for their XXXX  XXXX XXXX for Chase is  who helped me at this branch. They followed the same process by contacting their back office for assistance and scanning a copy of it to them. First, the back office stated that they could not accept the security because it had Without Recourse attached to my name but they were going to check to make sure. After 11/2 to 2 hours of back and forth telephone conversations, they wanted to postpone the call until today ( XX/XX/XXXX ). XXXX requested that it be expedited because I was there and available that day ( XX/XX/XXXX ). Chase finally stated that they only accept payments in the form of Cashier 's checks, Bank certified check, Personal check, Attorney 's check, Money order, Wired funds, and I-branch payoff using cash ( see attached printout that I received from XXXX ). My  question to Chase is what note turned Security are they trying to enforce if a Negotiable Security is not an acceptable form of payment? Is this not the form of payment used at closing? This is specifically why the Security is addressed to their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Eqifax is reporting Alabama XXXX ( XXXX ) acct is currently in collections it is also reporting the account is 90 days late ... both are incorrect ... XXXX doesn't have a collection company listed for the account.i called to get the collection agency number, they don't have.so I don't know how equifax is reporting this account as a collection account.the account was due XXXX XXXX I made a payment on XX/XX/2019 and a payment on XX/XX/2019 ... XXXX rep. stated the account should have never went to collections ... it didn't..because XXXX  or equifax can't provide the collection agency contact number. I need this account removed or to report a positive status.

Company response to consumer: Closed with explanation