BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2023, a stranger took my phone and was able to gain access to my entire XXXX XXXX app and account. He made some fraudulent charges including applying for a {$3500.00} personal loan and a {$600.00} cash advance on my credit card. The perpetrator transferred the money from the fraudulent transactions to another XXXX XXXX account member. He did a member-to-member transfer. Within minutes I reported the fraudulent charges immediately. While making the report, one of the representatives told me that I should empty my checking and savings accounts to pay off the fraudulent cash advance. I complied. She notified me that I would get my money back while XXXX XXXX completed their investigation ; but this left me without any money for days/weeks! I asked that XXXX XXXX please contact the member who received the money and take the funds back since it had not cleared yet. I was told a full investigation would be conducted and no identifying information about the other member could be provided to me. I understood, and depended on XXXX XXXX to conduct a full investigation as they said they would do. However, instead, on XX/XX/2023, I called XXXX XXXX to get an update on the investigation, at which time I was informed the XXXX XXXX investigation was complete and XXXX XXXX determined there was no fraud! I am not sure how a complete investigation was conducted when the perpetrators information was readily available to XXXX XXXX. The fraudulent charges were not transferred to some external institution. XXXX XXXX has the name, address, social, and a ton of identifying information of the individual who received funds from a fraudulent transaction, but nothing has been done to recover the funds?? How is this a full investigation? How has XXXX XXXX conducted a full investigation without even speaking with the assigned police XXXX who is conducting the criminal investigation? XXXX XXXX with the XXXX XXXX Police Department informed me he would be going to the local XXXX XXXX branch to do some further investigating, meanwhile, XXXX XXXX had already made a decision no fraud occurred. How can a decision like that be made when there is a current active criminal investigation being conducted? How was a full investigation conducted if XXXX XXXX has not even had any communication with the criminal investigator? If XXXX XXXX did their due diligence, you would have known that there were several victims who experienced very similar crimes in the same vicinity around the same time as me. I have provided XXXX XXXX with the police report, I have complied with every request, I have completed every form in a timely manner.

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 2022-12-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attempted multiple times to setoff / discharge an auto loan with Chase Auto/ JP Morgan . Each communication has been ignored. At present, said company has sent a letter of threat for repossession of automobile. I am a secured party/ creditor / and POA of this account and am the beneficiary of the all caps entity name attached to this account. In addition, I have common law copyright of the all caps ENTITY and BC name. 
XXXX XXXX of JP Morgan has been appointed as fiduciary of this account. In addition, I am prepared to put JP Morgan and the auto dealership on notice of arbitration as the contract that is signed has a fraudulent/unauthorized/forged signature on the contract. I, as the living woman, who never received a copy of this contract on night of signing said contract am seeking remedy as has been communicated multiple times since XXXX. I am the entitlement holder/authorized representative/and POA of the FULL FAITH AND CREDIT birth certificate and SSN number. I have submitted copies of all documents to the IRS, the XXXX XXXX, and the FDIC depository regarding my complaint with this account. I can and am able to provide tracking of all documents submitted over past three months and am prepared with a HEFTY fee schedule from my trust for arbitration of this account. This too has been submitted to JP Morgan and ignored. At present, as the entitlement holder in due of course of this forged contract ; I want JP Morgan to do their fiduciary duties as has been requested and discharge this account appropriately as the contract has unauthorized forgery on it and is illegal as full disclosure was never given about my living woman being used as a transmitting utility for the all CAPS fictitious ENTITY created via the registration of birth certificate by the XXXX  UNITED STATES OF AMERICA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: ProCollect, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified through XXXX  XXXX  that I had a collections I had no idea about from XXXX XXXX  which I didnt know was even open. I had no recollection of this going to collections because I didnt get any letters to my house. This happened in the midst of XXXX and I had to return home but I dont recall having to pay anything to the property, now I owe {$2200.00} I had no idea of.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 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 2023-05-02
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX XXXX Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}

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 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2023-05-02
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:
This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2023-05-02
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Provide validity of the accounts in attachment

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 2023-05-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened up a platinum American Express card inside of the XXXX lounge at XXXX. They stated that I would be able to get the promotional offers which was XXXX miles if I spent {$4000.00} within six months of opening the credit card I met all the requirements that they asked for and I did not receive my Miles. I called American Express and they had no answers for me. They stated they would open up an investigation and that I had to call XXXX and contest these issues. I called XXXX and they told me to call American Express and contest these issues at well. I feel like I am getting the runaround and was falsely misled. If it wasnt for this promotion that they had promised me, I would have never opened up another credit card, but it seemed like a beneficial promotion to earn points if I spent the money that they required within the first six months. I feel like I was misled into opening up another credit card, which I didnt need, and I feel like that is not fair to be misled as a consumer, and would like for an investigation to be conducted. I would like to receive the benefits I was promised when I was sold to apply for this credit card, which I got approved for, and spent money on, but never received the promotional benefits I was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My credit report includes the following erroneous information that needs to be investigated and corrected. I want you to removed these inquiries on my report. This was already included in my prior COMPLAINT, and I'm including it again 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Gatestone & Co. International Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX agencies. 
XXXX XXXX has been over-charging my credit card account high finance ; basically half to quarter of payment is applied to high priced finance charges, XXXX XXXX admits to XXXX tactics and account fraud. 
Sent letter to XXXX XXXX explaining problem and course of action suitable to both parties. XXXX XXXX response letter informed they were not interested and started harassment. I continue to make payment per verbal agreement and written letter. XXXX XXXX sent email XXXX XX/XX/2023 acknowledging payment, yet the the Debt collector sent harassment letters to with INCORRECT amount. The XXXX XXXX account has been paid off several times, but high finance charges will never allow the account to be paid-in-full. XXXX XXXX stated the account would remain open, yet shows my account close on website. XXXX XXXX continues to lie to me, continue with Account Fraud, and stated they have right to discriminate against anyone including XXXX American Veteran. Filed complaints with XXXX XXXX XXXX. XXXX XXXX is currently involved in a major lawsuit to to UNFAIR practices and Account Fraud. 

I request my XXXX XXXX Account remain open, Account Fraud stop. 
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 2022-12-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charging me multiple overdrafts in the last couple of months.

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 2022-12-27
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest credit XXXX keeps restarting the clock on an old debt. I havent had XXXX since XXXX and on my credit it says XXXX which is false, also they are saying I owe a higher amount than what I actually do. Its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Block, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, my phone was stolen from my home, and the XXXX men who took it proceeded to login to my cashapp account and immediately began trying to transfer money to themselves and other people from my account. Here is a list of those transactions and their outcomes : XX/XX/XXXX XXXX - Payment to XXXX XXXXXXXX - {$500.00} - Payment was canceled for my protection. 
XX/XX/XXXX XXXX - Add Cash from XXXX XXXX XXXX - {$200.00} - Failed ( no reason given ) XXXX XXXX - Payment to XXXX XXXXXXXX from Cash app account - Completed. Refund Request declined. **** XXXX XXXX - Payment to XXXX XXXXXXXX from Bank Account with XXXX - Completed Refund Request Declined. **** I reported these fraudulent transactions to cashapp. The final XXXX transactions were deemed ( incorrectly ) by cashapp support to be legitimate. This is despite the fact that the {$100.00} charge is being disputed through XXXX and was refunded by them when the transaction was deemed to be fraud. When i followed up with Cashapp Support and asked why given all the evidence i supplied, what evidence did they have that the transaction was legitimate. They sent me an email that promised to contain the evidence that supported their ruling. Unfortunately, the only documentation they provided was XXXX page and only listed the transaction, with no supporting evidence attached. They did not refund me my money which was stolen on the basis of NO evidence, even tho i notified them of the theft AND provided evidentiary support of fraud. The letter also said that I had no recourse to challenge the ruling. They are stealing peoples money, and enabling others to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: 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 items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate/delete the unverifiable item below XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My complaint is about my account was close without me knowing the reason for.I received a mail XXXX about my account closed because i violated the capital one customer agreement and most stop using my this account immediately.then they wrote that Im still responsible for paying any remaining balance and will continue get billing statements until balance reaches XXXX. I was paying my bill on time and trying to build my credit I needed this to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Trans union reporting agency failed to remove unauthorized inquiries on my report and I informed them they were fraudulent. They are unlawfully and illegally reporting inaccuracies and when I informed them to remove them they told me I had to file a report with FTC which directed me to CFPB. I need the company to remove the inaccurate information they are reporting Ive tried to file disputes over the phone they refused to do so I tried to file it online and it would not let me kept getting an error message to call instead and when calling they still refused to remove the fraudulent info

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