BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/23 their was a complaint that TransUnion claims their information has been verified by the Bankruptcy Federal court house. I pulled myfico credit report and it shows 5 bankruptcy reporting but on TransUnion reporting 4 this inaccurate reporting but sends me a letter show 4 Bankruptcy reporting on my credit report. XXXX doesn't have no Bankruptcy reporting and XXXX shows only one reporting. How is TransUnion reporting accurate information and claims it's been verified. to 602. Congressional findings and statement of purpose [ 15 U.S.C. 
1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 611. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general How can TransUnion state they verified my complaint through the CFPB and sends me a letter stating it's been verified XXXX without verifying it. Under F

CRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. 
Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

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 2022-06-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I refinanced through XXXX  XXXX. They sent the appropriate payoff amount directly to Chase with all of the required information in early XXXX. Chase signed for and cashed the check, then sent the money to a third party for no reason at all. They refused to get the money back, and have been sending me notices that I am late in payments, have ruined my credit, have turned the account over to collections ( although they no longer own it ), and are currently threatening to repossess my vehicle. 
XXXX XXXXXXXX retrieved the payoff money from the 3rd party, and Chase is now saying that they need 2 weeks " to review '' the account. 
As a result of their negligence, my credit rating has declined XXXX points, and I am getting daily collections calls from the 3rd party. The latest call threatened to repossess the truck ( that they do not own! ). 
I have made frequent calls to Chase, as has XXXX  XXXX, to no avail. Chase refuses to acknowledge their malfeasance, and have repeatedly lied to shift blame onto either myself or XXXX  XXXX. They have said that the wrong information was sent, that the original check did not have the correct account number, that I haven't made payments, or that the 3rd party has the money- all easily verified as false. 

Chase acknowledged that the payoff was cashed by another company affiliated with Chase, and that they haven't attempted to apply the money correctly. They also acknowledged receipt of the documents and acknowledged that the check had been cashed by the Chase affiliated. 

They have said that they need to " investigate '' - in the meantime, my credit is ruined, and I it has resulted in my application for a business account to a different bank be rejected. 

I am including the documentation from XXXX  XXXX. 
I need immediate help. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: IL
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Millco Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure as to why Im paying XXXX dollars in order for an ER to refer me to a physician specialist that I have to get in order to complete my recovery from a XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used 2 credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: VA
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 received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2023-02-23
Company: ADP Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive been having trouble accessing my funds majority of the day and it says that I have no money in my account that I have insufficient funds to be exact when I tried to make the transaction online and then when I try to access it on the mobile app, it said that my password was wrong. It said that my username was wrong and Ive been calling the ADP wisely number and they have a busy line. This isnt the first time Ive had issues with them. Ive had people stealing my information and making transactions Ive even had a police report of the first incidents. Which has already been resolved. Its Happening again, because I do not have access to my funds or to my account on the mobile app or online on my laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Closed on a mortgage on XX/XX/2021 - mortgage held by Wells Fargo. Received in the mail several days later a note from Wells Fargo about a XXXX account balance on my 'Wells Fargo Everyday Checking ' - This is via a normal account statement which has a note that the account is now closed. I have no record of opening a checking account with Wells Fargo nor did I ever authorize such. 

Contacted Wells Fargo - call taker cut me off when explaining situation/ spoke over me then transferred me to another lady who said they would investigate but would have to wait up to 45 days for results and then needed to speak with someone else - was transferred to a XXXX minute wait time before call dropped. They did disclose that there was no activity on this account. 

I don't know what this is, if I took a credit hit, etc. I am stuck waiting and they do not seem to really care. It seems Wells Fargo had a MAJOR issue with this fairly recently and it involved the CFPB, other lawsuits, etc so I thought it best to surface this concern to see if we can figure out what happened to cause this account to be opened.

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 2018-04-26
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2018, I applied for membership and a savings account online with XXXX XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, MI. I wanted to become a member because I will be mortgage shopping and I liked XXXX 's rates. At the end of the application, I had to check a box saying that the XXXX XXXX XXXX XXXX would check my identification per Federal regulations. The notice did NOT say they would do a hard pull of credit, yet XXXX DID do a hard pull on my credit report which I would never authorize unless I was applying for a loan. By XXXX pulling a hard credit report, my score will fall by 5-20 points. I would never have applied to open a savings account had I know they would damage my credit score by doing so.The statement authorizing XXXX to verify my information does not specify they are doing a hard pull, and it is vague and deceiving ( attached ). I suspected by reading the verification authorization they would do a soft pull, thereby not damaging my credit score. I feel deceived and believe that XXXX must flatly state that they will pull a hard credit report when opening a savings account according to law. At no time or no place on the XXXX 's membership page do they state that they will do a hard credit pull. My score of XXXX will now be XXXX, therefore I have to wait to apply for a mortgage for 2 years because I will be charged higher interest rates because of the deception of 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 2023-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX, and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2020-08-01
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is not applying extra payments toward our loan principle. they are instead applying part of the money toward interest that would have been charged every month if we only paid the monthly amount due. 

in this instance, we paid an extra {$10000.00}. they applied {$6100.00} toward the principle and {$2400.00} toward interest. distributing the {$10000.00} payment over XXXX months payment schedule. 

in addition they " save '' any amount which is not a multiple of our monthly payment for application to next months payment, they hold the money without applying it to our loan, neither the principle or the interest. 

We have asked them repeatedly to apply our extra payments directly to the principle and not the interest. This practice adds thousands extra to our total loan cost and increases the pay-off time. they have never fixed this practice since our loan was transferred to them.

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 2018-09-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continue phone calls all hours even earl Sunday mornings, robot calls also so you cant respond ...

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 2023-07-25
Company: EQUIFAX, INC.
State: FL
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BBVA USA XXXX PNC Checking account migrated from Simple. I was charged NSF fees, despite having been told the only fees that would apply to the account after migration would be paper statement fees, which I avoided by moving to paperless. I was charged these fees beginning XX/XX/XXXX. If notice was provided about these fees, it was deliberately obtuse, and I have no recollection of such notice. They have since been charging fees- even after I blocked my debit card and demanded that they close the account. I demanded account closure on XX/XX/XXXX by phone, and have been charged five NSF fees since, totaling {$160.00}. They received a letter via certified mail on XX/XX/XXXX demanding that they close all of my accounts, and I have received no response, and my accounts remain open. I have used their support message system at least twice to demand refund of these fees and the closure of my account. The only response I have received is a standard demand for funding the account before closure, in addition to threatening more fees. I need this account closed immediately, and they seem intent on ignoring my demands and charging me as many fees as they can get away with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that I hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 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 right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief