BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Transunion conduct an investigation on an account XXXX XXXX  which appears in my TransUnion Credit file . As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Transunion did fail to complete and make timely notification of the results of this investigation as required by law. As per their response, the investigation was completed and closed on XX/XX/2023, which is past the 30 day period.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently disputed a 30 day late that was inaccurately reported on my Transunion Credit Report and have not gotten a response. This has been more than 60 days.

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 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to Kohl 's in XXXX Montana on XX/XX/XXXX. I selected 7 mens shirts for purchase. When I reached the register I was asked to open a Kohl 's charge card and I declined multiple times. The cashier then stated she would give me a 25 % discount on my purchase if I applied. I asked what if I am not approved? Her reply was she would still give me 25 % discount. She advised me my total was {$330.00}. I discussed with her that 25 % would be a large savings on such a large amount and I felt it was worth applying to receive 25 % off my large purchase. After applying, I was not approved and the woman told me I saved {$12.00} by applying. I told her no.. you stated 25 % discount on my entire purchase. She then stated some brand-name shirts I was purchasing were excluded. I told her, wait that is not what you told me to get me to apply for your store card. She then refered to corporate policy was the problem and it was not her fault. I asked for the manager and I started to both the cashier and assistant manager that I was promised a 25 % discount on my purchase regardless of the approval for the card. I also stated that the exclusions were not disclosed to me.. in fact the cashier was very misleading, persistent and insistent I apply to receive such a large discount savings. The assistant manager was very dismissive of my complaint. I asked to speak to the store director and was told she was in but unavailable. I was told the store directors name was XXXX and provided a phone number I was told was her direct line and even if she didn't answer I could leave a voicemail. I left the store after completing my purchase. I then attempted to call the number I was given and it was the stores general number. There was no access to XXXX or any voicemail. I proceeded to contact Kohl 's XXXX number without ever being able to speak to someone about my complaint. I then proceeded to email Kohl 's cares store feedback on XX/XX/XXXX and received an automatic reply with a case # XXXX. This email said they will contact me in 48hrs but occasionally it may take a little longer. I emailed again on XX/XX/XXXX without any reply as of XX/XX/XXXX. Disclosure is a very important part of doing business and Kohl 's was deceptive, did not disclose any terms and simply dismissed my concern. It was quite disappointing and upsetting to experience. Also being highly embarrassed by having the Kohl 's employees discuss my credit denial publicly in front of the employees and customers during this incident was totally unprofessional as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2018-05-17
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 2021-10-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
At XXXX ET on XX/XX/2021, I became a victim of fraud. I first received a text alert from Chase that alerted me that someone had transferred {$1800.00} from my checking account. The return phone number was only two digits different that the legitimate Chase phone number. As Chase sends alerts via text, I immediately responded. From there the person identified themselves with information that only a Chase employee would know such as disclaimers for phone monitoring, name and even XXXX. The person subsequently walked me through a step by step process and explained was how to stop the XXXX transfer that was hacked. NEVER did I think I was transferring funds ; I was lead to believe that I was reversing a charge. I was also led to believe by the legitimate Chase claims department that these claims were closed with satisfaction within a weeks time. This caller used Chase scripting. 

I transferred funds to my name and my phone number - not a stranger 's contact information. 

Unfortunately, the entire alert and subsequent process was a well-designed scam using internal Chase knowledge to dupe me. I am being told by Chase that I am not eligible for the recourse/refund as I aided the felon to transfer the funds. This is simply not right. The CFPB placed new regulations ( Regulation E ) with the onus on the banks to help customer just like me who were using a bank sponsored and promoted product that is susceptible to scams. XXXX is housed on the Chase website as the primary payment processor yet it does not have Chase protection? How can that be? Chase is saying this is a loophole in the CFPB regulation that they are going to leverage and if they helped me they would have to help everyone. Additionally, they are saying that I agreed to the XXXX disclaimers that I wouldn't send funds to someone I did not know. I DID NOT SEND MONEY TO SOMEONE I DIDN'T KNOW. I SENT MONEY TO MYSELF and somehow it was directed to someone else. All Chase is doing is trying to get out of responsibility to the consumer and CFPB regulation. 

My case number with Chase is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is the second time I have asked Wells Fargo to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By LAW Wells Fargo is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.

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 2023-07-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00}, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXXXXXX XXXX XXXX XXXX.The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2022-12-04
Company: SYNCHRONY FINANCIAL
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 am in the process of buying a house, a credit report from my mortgage broker was given to me. This account does not belong to me. This account is having a negative impact on my life and is effecting my ability to purchase a house. I do not know how this account was put on my credit.

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 2021-08-26
Company: BANK OF THE WEST
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a travel trailer private party. The previous owners had an outstanding balance on a loan for the travel trailer with Bank of the West. We paid that off directly to Bank of the West in person with a cashiers check referencing the loan account number as part of the sales process. Once we finished, the bank was not able to produce a title and now are stating that it may be as long as 3 weeks for us to receive a title. We are not able to register the trailer for legal road travel without a title as a private party. The title for private sales a critical legal document that they are holding.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account NameXXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter off on XX/XX/2022, to remove information that I don't want on my credit report. I have the right to privacy. Also, according to 15 U.S.C 6802, No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2023-11-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used points from Chase Sapphire Preferred card to book a rental car for my trip to XXXX from XXXX. The booking was done through Chase Booking Team. When the booking was almost complete, I was very specific about the type of car ( SUV ) and that I wanted to use my points to fully pay for the car so that I will not have to face any additional charges when picking up the car at the destination and was told during the booking that all is set and I still had almost XXXX points left. 
It turned out that the car I booked was different than the car I was promised, in addition, accessories like child seats were not installed as promised and in addition, I was charged daily insurance rate for the car in the amount of around XXXX Euros ( {$730.00} ) even though insurance was included, however, rental car representative stated that if I do not purchase insurance policy with them, I will be responsible for any damages to the car. 
The car that I picked up could not fit all luggage and I had to use second car in order to accommodate the inconvenience caused ( bring 2 other luggage which did not fit into the rental car ). The rental car took place from XX/XX/XXXX to XX/XX/2023. After several months of back and forth with Chase Booking Team, and only thank to the XXXX complaint, I finally heard back from Chase and was informed that Chase will not address the charge for the insurance as that was supplement insurance even though thats not what I was told by the representative from the rental company XXXX. Further, chase offered XXXX points to accommodate for different car being offered and customer service issue with the child seats not being installed which I believe is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: CRE Credit Services
State: CA
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I am not responsible for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX phone number : ( XXXX ) XXXX I DEMAND BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Untimely response