BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: Law Office of Brett M. Borland, P.C.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter XX/XX/XXXX about the owed debt in which prior had communicated during a phone call not to contact me about debt. I had repeated calls in which after the letter was received made contact with them to provide in an email the reason this debt is not owed under Kentucky state laws of unlivable infestation of bugs. I emailed this information on XX/XX/XXXX to the law office of Brett Borland as they requested. The office then advised on XX/XX/XXXX that I should had disputed this with the credit collections company before the debt was sent to their law firm. I had advised the credit collections company that I dispute this debt. On XX/XX/XXXX I set payment arrangements to pay this debt off in which they said they do not report to credit bureau until paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call at XXXX XXXX  from XXXX XXXX XXXX XXXX from someone claiming to be on a recorded line. I hung up but called back later to figure out who the call was from and was told I reached TRANSWORLD SYSTEMS INC. I can only assume this call was regarding an alleged debt ; however, I have received no mailed correspondence. I am writing this complaint as my formal written request to Cease and Desist all calls. As required by FDCPA, TRANSWORLD SYSTEMS INC. was supposed to send a written debt validation notice with information about an alleged debt it is attempting to collect. That written notice must be sent within five days of the first contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/, {$190.00} was withdrawn from my credit card by Bank of America. This was a credit balance from over paying what I owed as I had a fee reversed late in the previous month from a canceled flight transaction. I expected that it would be credited to my checking account where it came from but it never was, so I put a call across and was told to wait for some days before I get credited. 

Weeks and months passed, yet I did not get any, so I called several times and got varying explanations from different customer contact agents on the whereabouts of my funds. One told me a check was issued to my address and had been cashed, so I asked that a copy of the check be made available and details of the person who made it. I was asked to stay on the line and then was cut off. When I called again about 3weeks ago, I was transferred to the fraud dept who confirmed that no check was issued, but that they would send correspondence to the appropriate office to do the needful. She specifically told me that it was against banking ethics to : a. mail out a check to me without my consent and b. perform a debit entry without a corresponding credit entry ; which in this case should have been my checking account where all the credit emanates. 

Up until today, nothing has been heard from Bank of America, hence this complaint. Please, help me investigate this. If true that a check was sent to my address, I would like to get to root of who cashed it and how possible it was for someone other than me to do so. My account is always in credit at the end of my credit cycle, and this has never happened ; so why did they choose to take out my money at that time and that's the only time this has occurred. I don't think this bank can be trusted as I have been their very valued customer for years now. 

Please, help me get my funds back as you are my only hope. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Credit inquiries on your report that you don't recognize

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. 
These are inquiries that have violated my consumer rights ; Transunion XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; TRANSUNION XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX 15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. 

15 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE. 

15 USC 1681 B- ( C ) ( 3 ) Information Regarding Inquiries-a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is initiated by 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRCA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX, TX
XXXX

XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX  
XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA Violation:  student loan never late XXXX XXXX
XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

HIPPA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Last night I received XXXX consecutive missed calls from an XXXX number, I finally answered thinking it was my grandmothers life alert company. The gentleman told me he was from the CHASE fraud department and I needed to verify my location because there was suspicious activity on my account in Florida ( I am in California ) he said the call was being recorded and he would walk me through how to stop action on this and ensure the funds did not leave my account I even questioned how I would know he is indeed from the Chase fraud department and he assured me that the phone number he was calling from is the exact number on the back of my debit card I checked, and he was correct. He then proceeded to tell me to log into my mobile app so that he could prompt me to follow the steps to stop this action as that is the new process they do. He never asked me for any personal information so I didnt think anything was concerning, he asked me to input my personal phone number in XXXX as a recipient and when a XXXX prompt popped on my screen and I questioned it, he told me that was the woman in Florida trying to take {$2000.00}. I started to question this and he hung up the phone and before I could even realize what in the XXXX was happening {$2000.00} was missing from my account. I tried to contact Chase last night and the fraud department was closed so I contacted them first thing this morning to file an online fraud claim and they basically told me there was nothing they could do since money wasnt taken directly from my account and it was through XXXX a third-party, therefore the money was non-recoverable. I thought large bank institutions covered me through fraud protection, I was completely taken advantage of and I have never felt so invaded in my entire life. I am a single mom with XXXX XXXX XXXX old XXXX and now I am missing {$2000.00} with no support recovery. I have filed a complaint with XXXX, Chase, and I have also filed a police report. Please, please help me or let me know if theres anything else you need on my end. Below I will include the case number for the police report Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am requesting a late payment forgiveness as a courtesy to help my credit. Outside of the 2 missed payments, I have perfect payment history. I was XXXX XXXX XXXX XXXX XXXXXXXX during the missed payments XX/XX/2020 and XX/XX/2020. This applies to my capital one platinum card as well as my capital one wal-mart card .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Novad Management Consulting LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX received a payoff letter from Novad stating the total partial claim amount was {$15000.00}. Novad had two liens, XXXX in the amount of {$6100.00} and XXXX in the amount of {$9700.00}. XXXX is requiring that the payoff letter states that both liens from XXXX and XXXX be released with a total payoff of {$15000.00}. XXXX says that they have had experiences with Novad in similar situations where Novad had come back to collect on undocumented liens. I have tried changing title companies and this issue is a roadblock and non-negotiable. No one wants to be liable. 
Between XXXX and myself we have contacted Novad by email or phone call 11 times. My calls have been escalated from the call center multiple times. I have been connected with the help desk who have sent emails to upper management and Novad. I have asked to speak to upper management and was told they are not available me. I was told that the only thing I can do is call back every 5 business and they would send an email to Novad on my behalf. 
On XX/XX/XXXX Novad sent me a duplicate payoff letter without any requested clarification or communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a statement of account for XX/XX/2022 from XXXX Bank XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal XXXX Bank account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXX Bank has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You

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 2023-04-13
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a Chase customer and have been for over 2 years. I deposited a check from a family member I have time and time again deposited checks from. This check happened to be one on XX/XX/XXXX for {$970.00} dollars to help pay their rent because they are now in XXXX care. Chase decided to not only restrict my account but tell me they can't touch it til XX/XX/XXXX. The money has come out of their account from their bank and we are getting {$85.00} dollar a day late charges for their rent being late. Chase has spoken to the creator personally and claim they have not. Now they are out {$970.00}, we can't right another check or withdraw from the bank and will tack on another almost {$500.00} in late charges and there is nothing Chase will do. I have never had a check bounce or be a problem, and done healthy banking the entire time. I even had their employees deny a request to talk to a supervisor and tell me my time at Chase doesn't matter. It has been a completely unprofessional situation and is now costing me a lot of money. There was no reason for my account to be restricted or this check to be flagged and now I'm responsible for paying for it. They pretty much are telling me that a machine has more authority over my money and a human can not override such occurances. This makes me very upset to know my money that keeps them open is trusted by a program to keep, y money safe and there is no way to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, Item : Account listed as : XXXX XXXX  [ XXXX ] on the Transunion Credit report has violated my rights. 



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

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. 

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations. 


I contacted Transunion via letter on multiple occasions about beginning on the date of XX/XX/2022. I have attached some copies of some of my letters.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$280.00}

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 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am XXXX and recently had to purchase promotional services for my social media for a total of XXXX USD. Being such a great offer for my business, I couldn't pass up the opportunity and decided to split the payment and make it through my XXXX XXXX charge card and my Bank of America credit card. I never passed any limit on these cards, however, my credit score was recently hit with a deduction of 42 points. As a person who is XXXX, a lower credit score will hinder me getting higher operating capital needed to make my business thrive. I'd appreciate someone's help with this. 

I've never ever missed a payment in my life and my current balance on these credit cards is close to zero ( they've already been paid off ).

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-02-03
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX would not allow me to cancel my service because I was on month past due. After i informed them I will not pay until they cancel my service they decided to charge me for 2 additional months. Franklin collections sent me nothing in writing like the 2 other collection companies prior and was removed. I paid {$330.00} of the debt I owed for the month I admit was my responsibility. This is the 3rd debt collection that has not notified me in writing and therefore is in violation of the FRCA. XXXX again shows blatant disregard for consumers rights. If others have experienced this we need to get together and file a class action lawsuit.

Company response to consumer: Closed with explanation