BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
Company: FinCo Services Inc DBA Current
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello ... I have a mobile banking account with an online banking company called Current. My issue is that there was an unauthorized charge to my account of {$390.00} from some travel company called XXXX ... I filed a dispute on that unauthorized charge on XX/XX/2021. Turns out, on XX/XX/2021 I get an email from the mobile bank Current saying that my dispute has been closed, with no errors found, and therefore no credit will be issued to me. The bank ruled in favor of the unknown merchant, nor did I not find any further suppport from this bank and they just will not do anyyhing further, and I unjustly lost {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX is the definition of a predatory lender and should be closed down. The company violated every consumer law possible. I have listed the violations : 15 usc 1692b ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692 c ( a ) 15 usc 1692c ( b ) 15 usc 1692c ( c ) 15usc 1692 d ( 2 ) 15 usc 1692d ( 5 ) 15 usc 1692 e ( 2 ) ( a ) 15usc 1692 e ( 7 ) 15 usc 1692 f ( 1 ) 15 usc 1692 j ( a ) 15 usc 1666 d ( c ) 15 usc 1692h lawful refund of payments

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tried to save my house went to bankruptcy court and field. both times I went I asked the clerk should I come back they said no. it will be dismissed. Lost the house anyway but the bankruptcy stays on my report its killing me

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 2017-02-04
Company: Butler, Butler & Rowse-Oberle, P.L.L.C.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Butler, Butler, & Rowse-Oberle PLLC filed suit against me without my knowledge. This firm is a debt collector attempting to collect on a debt to which they have no claim. They have no first hand knowledge and therefore can not be granted relief. 

The Fair Debt Collecting Practices Act 805 ( a ) states, " 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. '' A correspondence dated XX/XX/2016 was received from Butler, Butler, & Rowse-Oberle PLLC, stating that they were retained to collect a debt and that I had the right to dispute the validity of the debt, which I did, because I have never conducted any business with Butler, Butler, & Rowse-Oberle PLLC. A Cease and Desist was also issued with the notice of dispute. 

According to the Fair Debt Collecting Practices Act ( 812 ), a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " It is no awful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating. '' In reply to my disputing of the validity of the alleged debt, a correspondent dated XX/XX/2016 was received, where Butler, Butler, & Rowse-Oberle PLLC failed to provide sufficient proof of their claim to the debt. XXXX also sent copies of copies of agreements between XXXX and myself with intent to use as proof that her firm has claim to the debt. 

In addition, the Fair Debt Collecting Practices Act 811 states, " any debt collector who brings any legal action on a debt against any consumer shall in the case of action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located. '' XXXX of Butler, Butler, & Rowse-Oberle PLLC does not have a contract or interest in real property with me and therefore can not bring a claim on behalf of another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.

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 2021-07-28
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: Investigation took more than 30 days

Complaint:
XXXX will not investigate my file they keep saying to provide new info.. i keep sending new info and they dont do anything.. i need a human to look at my file and not no e oscar machine.. 

if XXXX does not fix my problem i will have to sue with my fcra attorney help a regular person out that needs help Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX : I received the credit report you have on file for me, and it contained the following inaccurate information : Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft However I was in contact with the creditor who has verified that this information is inaccurate. As such, it should be removed from my credit report. I am requesting that you reinvestigate this item and remove it from my report as soon as possible. 

[ INCLUDE CONTACT INFO FOR THE CREDITOR WHO CAN VERIFY THE INACCURATE INFO, OR INCLUDE OTHER PROOF OF THE INACCURACY ] Thank you for your prompt attention to this matter. 

Sincerely, 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 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I contacted the B of A because I am trying to refinance my XXXX mortgage and have a lien on my property for XXXX. The Lien is actually in the name of California XXXX XXXX as it was a down payment assistance program. Bank of America has the loan ( Loan # XXXX ) and sends me a statement every month with a XXXX balance. This loan was discharged in a Bankruptcy discharge on XXXX Case # XXXX. On XXXX I asked Bank of America for a lien release on this loan. They told me it was still an active loan, I explained it was discharged in a chapter XXXX BK and asked to speak to a supervisor, they would not let me be transferred and then opened a research case on XX/XX/XXXX told me it would be XXXX days. I called every day to see if there were any notes or resolution which there were none. I called yesterday and XXXX told me there are notes on the loan from the research team but that he did n't understand what they are saying so he opened a case again and told me to call back in XXXX hrs. I have not received any phone calls from the research team or any letters. I now have XXXX business days to complete my refi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I won an online auction through XXXXXXXX XXXX  XXXX house for a classic dodge truck. The online ad misrepresented the truck 100 % and they will unwilling to cancel the auction and refund my money. I never took possession of the truck, and they have since resold it. I contacted Capitol One and opened a dispute for both charges from XXXX which totaled {$3900.00}. Case numbers XXXX and XXXX. Initially they credited my account, then decided to add the charges back onto my account with copies of the 2 payment receipts. Neither have my signature on them and I already explained to them when I opened the dispute that XXXX was unwilling to refund me in person. I still do not have possession, I never signed anything, I never registered the truck in my name, and they have already resold it to someone else. 

Capitol One still has not refunded anything to my card and I am still being charged for a product I never received or signed for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been disputing my credit report with XXXX and Equifax , I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I discovered multiple unauthorized transfer-outs from my checking account, two of these are large wire transfers of {$8900.00} and {$8500.00}. Also on the same day, my husbands phone number was hacked, someone called XXXX  and had his phone number transferred to their SIM card, so he couldnt use his phone number at all that day. We suspect that the thief could do the 'forgot password ' function and use my husband 's phone number to change the password and log on to our joint online banking accounts and transfer our money out. But it's just our guess because the SIM card hack and the unauthorized transactions occur on the same day. On my husband 's bank account, on XX/XX/XXXX and XX/XX/XXXX, there are also unauthorized payments to a bar and places in XXXX  which are totally not done by us as we live is CA, USA. This is clearly an incident of identity theft. We immediately reported to Chase on XX/XX/XXXX, it has been almost 2 months for Chase to do their investigation and we have not heard any updates from them. Chase has not refunded the money from the two large wire transfers. When we called their fraud department ( which we have been doing many times ), we kept being told the same thing that the claims are still in process. This is clearly an incident of identity theft and we would do anything to prove that these transactions weren't done by us, however, we haven't received any form of communication from Chase, not a single phone call. Our bank accounts are deprived of fund. We desperately need our money back and we have been giving Chase almost 2 months to fulfill their customer protection responsibility and refund our money. We need answer. We need our money back. We would do anything to be able to get our money back, including suing Chase for their incompetence in customer protection, as {$17000.00} is almost our entire life saving. We would appreciate any help.

( the attachment is proof of XXXX  notification that the SIM card was changed on XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been battling for over a year to get Equifax to accurately report my accounts. I have contacted the creditors to verify that they are sending the correct information every month and they all verified that they are. This is only happening on my Equifax credit report, both my XXXX and XXXX credit reports have the updated information every month, Equifax does not nor will not cooperate with me to resolve the issue. Calling into their customer service has only resulted in positive trade lines being deleted and XXXX up my credit report even more. I have called into Equifax numerous times to no avail, I have filed XXXX XXXX complaints to know avail. I though that not maintaining accurate credit information was against the law, I was trying to get this cleared up before buying a house but now I will not be able to move forward with my plan. This has been extremely time consuming and frustrating and I am almost at my wits end. If these things are not remedied, then I will be forced to discuses these issues with my mother, XXXX XXXX XXXX, a shareholder at XXXX XXXX XXXX XXXX 's XXXX XXXX, to see if there is any legal actions I can take to resolve this issue, as Equifax seems unwilling to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-04-10
Company: Experian Information Solutions 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:
on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : XX/XX/2021 Company : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/2021 Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, RI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX Inquiry Date : XX/XX/2021 Company : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA 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 2022-04-13
Company: Maximus Education, LLC dba Aidvantage
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:
FRCA Violation student loans DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE DEPT OF ED/AIDVANTAGE FRCA Violation collection XXXX  XXXX  FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.

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 2015-09-08
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I filed an identity theft report with All XXXX credit reporting agencies. XXXX and XXXX did investigations, got me my documentation and results. Equifax did nothing. They ignored the Police report. They ignored the Identity Theft Affidavit. They ignored a letter from my attorney. Equifax never blocked any of the information as outlined in 
605B. BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [15 U.S.C. 1681c-2], because they never did an investigation. Nothing has changed on my Equifax report except the XXXX deletion that XXXX did because of the XXXX investigation. In 45 days since my attorney sent Equifax a letter and over 90 days since my XXXX letter and over 60 days since my phone call to XXXX, we have received NOTHING!! Just a credit report copy that says the same thing as last month. No investigation documentation stating how the investigation was done, if one was done, what each creditor said or anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: Seterus, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX, XXXX. They call every day. I have pay mortgage. The girl said I every day. I am can, t hear the message. I am my friend call the XXXX - my friend told harass the me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: CORELOGIC INC
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Saying government documents are invalid for a proper investigation and not actually reading documents. All of this for a false deed of assignment all done on a XXXX vet and family? also how can XXXX bank rewrite the transaction history just to execute a invalid loan modification for XX/XX/XXXX in XX/XX/XXXX? And I what to know what it is that is actually being hid from me and all borrowers?

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