BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: VA
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:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as being OPEN and having a PAST-DUE BALANCE of {$3200.00} creditor is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$380.00} which I do not recall having that account. This is a violation of the FCRA and is in violation of requisite METRO2compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 
The following hard inquiries have never been requested by me XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019, I attempted to send an online money transfer to an XXXX in the XXXX XXXX XXXX XXXX, a service that Western Union offers. 

First, Western Union 's faulty system claimed my credit card company declined the transaction. I contacted the credit card company and they advised that they approved the transaction. 

Second, after using a second card, Western Union claimed they would review the transaction and send me an email. 

About XXXX minutes later, Western Union had a third-party non-Western Union call center in XXXX call me and ask me personal identifying questions -- none which I provided online. The XXXX based call center demanded my age, my addresses, etc. Western Union has no control over how this data is kept and the call center did not provide any information as to how the information is stored. 

Since I needed to send the transfer, and notwithstanding that Western Union using foreign agents to seek personal identifying information placed me at risk, I cooperated with the XXXX call center. 

After providing all the information, the agent stated that his system was malfunctioning and he could not determine if the money transfer went through or not. He stated I may receive an email advising. 

I asked for a supervisor and the agent transferred me to another representative. The other representative advised me that he was not a supervisor and would transfer me. At that time, the representative transferred me to XXXX XXXX 's prepaid debit card division 's main customer service number, a separate entity having nothing to do with my XXXX XXXX money transfers. 

It is clear that XXXX XXXX 's system is placing consumers at risk of identity fraud. It appears that they are using call centers that they do not own and that are operated in foreign countries with no privacy controls. 

XXXX XXXX 's representative admitted that software flaws existed and that their systems could not process the information provided, making it clear that the systems are less than secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NC
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:
After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.

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 2020-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
USAA Visa credit card stolen on XX/XX/2019. Called company immediately to notify of theft. By this time, card had been used for the following amounts : XXXX XXXX  store # XXXX ( XXXX, CA ) Amount {$630.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$200.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$200.00} XXXX XXXX # XXXX ( XXXX, CA ) Amount {$50.00} USAA credited my account for the fraudulent amounts and issued a new Visa card, Somehow the fraudulent amounts were recharged to my new USAA Visa and I have been dunned by letters, phone calls, since that happened to pay my credit card balance. I have made at least 7 calls to USAA to try to correct this matter with absolutely no results. This credit card has not been used since I received the new Visa card, but fees and interests are accumulating on the monthly bills for the fraudulent amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CFPB Complaint against Chase / XXXX  Disputed amount : {$1300.00} Claim # : XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX : filed a claim for {$1300.00} against XXXX XXXX. Transaction date : XX/XX/XXXX. Chase places a temporary credit for this amount in my checking account. 

XX/XX/XXXX : Called Chase on XX/XX/XXXX explaining the claim was filed in error and to withdraw the claim. Agent said the temporary credit would be withdrawn and the claim would be closed. 

XX/XX/XXXX : Chase notifies they have stopped researching the claim and removed {$1300.00} from my account, saying it would take place on or after XXXX. 

XX/XX/XXXX : Received email correspondence from XXXX XXXX ( my apartment company ) that my XX/XX/XXXX payment was returned due to a dispute, instructed me to pay this amount immediately, and that I was being charged a late fee of {$50.00}. Also threatened to sue me for this amount. ( see attached ). 

Spoke to Chase claims, who said that the amount was on the merchants end, XXXX, and to recover the amount from XXXX. Confused by this statement since XXXX usually directs consumers to deal with the bank, not with XXXX. 

E-mailed XXXX, and their rep said they could not help because transactions are confidential and to continue working with Chase. 

Called Chase claims again asking for a supervisor or someone in the presidents office, and was transferred to the claims department. Agent # 2 said that the amount will take XXXX to be returned to the merchant and that I should have a credit with the merchant. 

Paid the rent amount to XXXX XXXX, including the late fee, and let them know that it was due to a dispute that was filed in error and that it should have been closed. Also informed them to be aware of a double payment for XXXX in the near future. 

XXXX : Have not heard from either party so proceeding to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account 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 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  Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 2023-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit reporting 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:
I was alerted today that I received a hard inquiry on my credit report from Capital One. I have not opened or created any account with them. I called Capital One and was verified by my Social Security Number and DOB. They then asked for my name and account number. I gave them my name and they said my account was associated with someone else 's name. I have no account number. They would not provide any further information and hung up on me. I have put a freeze and identity alert on my accounts with XXXX, XXXX, and XXXX. To dispute an inquiry, I need Capital One to alert them there is a problem and they will not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: MS
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'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.

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 2018-04-10
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We changed homeowner insurance companies in XX/XX/XXXX. Navy Federal was notified immediately. The annual premium for the new company was paid in full by me, by check, check # XXXX, at the time the new policy was taken out. Navy Federal, however, went ahead and paid the old company a new annual premium after being notified that we were not going to renew the policy. I notified the old company that the refund should be sent to me since I had paid the premium in full for the new policy. I sent Navy Federal a copy of the canceled check proving the payment in full. They feel the refund from the old insurance company is theirs to keep and I was out of line to claim it. I have requested an escrow analysis. I keep getting verbal analysis that change daily. Friday, XX/XX/XXXX, I had a surplus of {$360.00}, today, XX/XX/XXXX, I have an overage of {$39.00}. ( Nothing has been paid out. ) How does it fluctuate so dramicatically? ) When I question that, I am told that they are not going to talk to me because I am being unreasonable. I don't think it is unreasonable to try to understand where {$300.00} went in 4 days when there were no expenditures! This is the second complaint of this mortgage division in three months. Do you think we are being singled out? I have furnished copies of tax statements, cancelled checks, invoices, etc. I have faxed, emailed, and scanned and submitted on their system. They claim they have not received them. They processed the checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transuinion is reporting a hard inquiry from captial one from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX  XXXX and reported to transunion and also removed by transunion and also XXXX XXXX. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, trans union, and XXXX XXXX as reference and proof!

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 Transunion, XXXX, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX. As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found derogatory items and several inquiries that do not belong to me. There is child support reported on my credit and it shows that the account is closed and paid for, but it is not mine. Please remove these fraudulent accounts from my report as soon as possible.

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 2019-06-17
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX or cash app. I said I can do cash app because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted cash app for assistance, they told me to contact the bank I use. I filed a dispute with XXXX XXXX XXXX XXXX. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX XXXX XXXX  : I called Capital One to request a replacement card. They said they needed a copy of a state or Federal ID. I sent them a scanned copy of my drivers license. 
XX/XX/XXXX : Hadn't heard anything. I called and they said they needed both the front and back of the license. I sent them the scanned front and scanned back on same page. 
XX/XX/XXXX : Hadn't heard anything so I called again. They said they couldn't accept a scanned copy of a copy ( front of license ). Were supposed to send me a download link. Didn't.. 
XX/XX/XXXX : Called them again and got link. Sent scanned copy of passport and VA ID. 
XXXX XXXX : Again, hadn't heard anything so I called again. This time they said that Passport and VA ID were not acceptable forms of ID even though the download link states that either Federal or State ID is acceptable. I resent drivers license. 
XX/XX/XXXX : Hadn't heard anything so I called again. This time they said the photo on my Federally isues ID wasn't clear enough and wanted me to resubmit. I tolf them I was filing a complaint. 

No communication from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo was used as the payment method to receive XXXX. Buyers come to XXXX to pay me with XXXX transfer and receive XXXX. Very simple until Venmo decides to reverse 3 payments totaling {$440.00} ( {$40.00}, {$50.00}, {$350.00} ) 2 weeks after I received them. I was attempting to " standard transfer '' my funds ( {$440.00}  ) to my bank account ( which uses ACH protocol ), when I received emails stating they can not initiate and that my account has been terminated. What do I do? Like any normal person, I go to customer service and chat with their specialist who can not tell me anything because front facing customer service representatives are not allowed to know internal information. Understandable, and after another week and half I finally got hold of the Head of some department through email, to which they state they reversed payments and I must collect the funds myself by contacting these users. What? I explained to them that I can not contact users because these were " one-time '' deals. I have done my hardest to do searches for these users using virtually nothing but a username. Nothing ... Venmo refuses to even talk to me anymore stating I am banned from customer service and that I must contact a lawyer! 
How is this even fair? they reversed it weeks after expecting me to collect the funds they reversed? and then ban me? expecting me to collect it using another service? I dont know these people and they refuse to reimburse or even do anything. I have all emails and customer service chat records.

Company response to consumer: Closed with explanation