BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Last summer, I was looking for a rental in XXXX XXXX, NM as I was planning on moving there within the month to start a new job. My friend and I found a place that seemed reasonably priced and decided to apply. The landlord sent us application invites through TransUnion, which required us each to pay {$41.00} for a consumer report. There was a delay in doing this for me, since I was a XXXX XXXX XXXX XXXX XXXX XXXX. While I had presence in the US and a US bank account, they could not get a consumer report as easily as they could for an American with a credit card. 

I contacted TransUnion immediately in an attempt to resolve this. They instructed me over the phone to email them a copy of my passport ID page, and a bank statement proving I had a US bank account. They said they would charge me once they send the consumer report to the landlord. A couple of days after this, I get a notification through their portal that the landlord has declined my application since they found someone else. Not a problem, I continued looking and the report did not come in time anyways. However, they end up charging me for the consumer report a day later, meaning that even though the application was cancelled before the report was completed, they still ended up sending a useless report to a landlord who already chose a different tenant. 

I contacted them over the phone again, explaining the situation and asking for a refund. They claimed I would hear back from them or get the refund if they decide to give it to me. Evident by me writing this complaint, they never provided the refund. 

Below are .pdf documents outlining what happened chronologically, with relevant timestamps highlighted ( I added my last name to all of them for reference ). 

Invitation to Apply - XXXX Copy of an email I received, notifying me that the landlord is requesting a consumer report as part of the application. 

Email to TransUnion - XXXX  After a phone call, I email TransUnion as instructed ( passport photo and bank statement ). 

Lease Appl. Declined - XXXX Lease application is denied on the morning of XX/XX/XXXX. TransUnion is clearly aware of this since they sent the email, and the landlord did their part of noting the denial on the TransUnion online portal. 

XXXX XXXX Statement - XXXX Bank statement with a highlighted transaction noting that the report was processed on the XXXX, a day after the application had already been cancelled. If the application was closed, what was the purpose of going through with this?

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 2022-04-17
Company: EQUIFAX, INC.
State: AZ
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  # XXXX & Credit Acceptance # 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 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: IL
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 AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Consumer Adjustment Company Incorporated
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I XXXX XXXX XXXX entered into a Membership Contract for a 12-month period starting on XX/XX/XXXX, with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX for a XXXX XXXX making payments of {$9.00} for 12 months for a grand total of {$110.00}, Upon checking my records ( Bank Statements ) 10 payments were successfully paid from the period of XX/XX/XXXX through XX/XX/XXXX, I received a new debit card in the mail in XXXX, having thought I had a membership underneath a different card and that it was being paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX failed to provide notice that my account was delinquent and steps to resolve through multiple forms of communication such as the email associated with my contract and account XXXX, mail, or phone, instead XXXX XXXX  took a different approach rather than remedy directly such as when I was late once before they sent me an email ( attached ) but as of XX/XX/XXXX my account has been placed with collection with CACI Collections in XXXX, Missouri with a total in the amount of {$59.00} which is grossly overstated and incorrect, secondly when I go on to the XXXX XXXX XXXX Page to view my contract, account information, or even attempt to update or make a payment, I receive ERROR 86 : The amount past due should be {$18.00} for the remaining 2 months out of the 12 months which I accept should be paid as agreed upon. It is my opinion that with XXXX XXXX  handling this issue so unprofessionally, and punctually that I will no longer visit any of their theme parks in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I sent documentation that I had been a victim of identity theft and noticed some unauthorized inquiries and accounts on my report. I was told by the Rep to mail a FTC report with a copy of my identification and ss card with a list of the inquiries. I has been 60 days with no reponse from the bureau but according to the FTC website it states identity theft should be processed within 5 business days from receipt of documentation. I have the tracking number from where I sent documentation tracking number XXXX and I have heard nothing from the bureaus. This is a violation and these items must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Can you just believe that this crazy bank - bank of america doesn't have a regular way to make the timely payments when the payment is due for the statement balance? And this is not some coincidence but complete UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices. ) violation which can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. 
In my case I almost missed the payment for my card ending in XXXX. When i contacted Bank of America person via chat, rather than helping me, they sent me a useless email which has all the instructions to setup for mobile application. Worst thing, when the customer is on that page to follow the instructions, chat disappears. 
When I was not happy with my chat experience as it is slow and disappearing, Bank of America, Mr. XXXX disconnected the chat. 
Then i called Bank of America. Initial person couldn't solve this issue ( so one can understand how difficult it is to make the auto pay as the Bofa employees themselves are not understanding it XXXX. When the Technical support came in, they are also not very helpful, they are asking me to open some Bank of america checking account.

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 monetary relief
Consumer complaint received 2023-04-27
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX Called ON XXXX  at XXXX XXXX. 

I did not pick up the phone, my Employee did as i was at work and busy, the representative asked " Can i speak with XXXX XXXX '' my Employee said " This is Him '' and BAM without verifying ANY personal information the RMP rep started rattling off debts owed, to who and how much ( XXXX of them ) to a THIRD PARTY. After this when confronted With " You just XXXX  up you verified no information and just violated the FDCPA " the RMP Employee proceeded to say " I Don't have to i just have to ask for the named person '' This phone call was recorded and is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me

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 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A HELOC and mortgage loan application was arranged by Merrill Lynch with BOA, the parent company of Merrill, on our behalf as XXXX XXXX XXXX. The HELOC was refused, but we could obtain a {$500000.00} line of credit from a local bank. The mortgage loan was processed with the help of our financial adviser XXXX XXXX. The loan was refused. at the last minute, a few days before closing. Upon complaining, BOA conducted a prolonged investigation and determined that it was a clerical error in the part of loan processor, which could have been avoided ... .an apology was issued. We had to liquidate some of our assets, about {$300000.00} to pay for the balance of the house construction project. The mortgage loan at a preferred interest rate was recommended by by our financial advisers, as a part of our wealth management plan by Merrill. We claim that BOA/ML were delinquent in providing us the appropriate attention and caution in arranging the loan. We estimate that we encumbered a loss of {$300000.00} due to the incompetence of the personnel involved in the loan application process.Subsequently, Merill terminated our relationship as clients, in a hostile manner, without providing a reason. Many misrepresentation facts and falsification of numbers by the Merill personnel have been documented as a part of the investigation by XXXX XXXX of BOA. Complaints have been filed with FINRA and SEC. 
Event dates : between ... XX/XX/XXXX and XX/XX/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 2021-10-25
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The agreement was an auto finance loan for a 2009 XXXX XXXX, under the terms and condition of no credit check no credit involved leasing agreement of {$300.00} every two weeks payment installments. I have proof of my payments on the vehicle. Unfortunately the vehicle suffered from a car accident and did not recover also the insurance did not cover the total expenses. The car was totaled & the lessor of the car ( XXXX XXXX ) is upset and is now attempting to collect a debt on my credit. Breaching the contract that we agreed upon there is nothing in the contract about unfortunate and unintentional car accidents but there was an agreement to have no involvement with my credit. I asked for a copy of the contract they would not present one to me I understand that they're upset but it's not my fault that the car insurance would not cover the total damage of the car. I'm willing to make payment installments but i refuse to continue to be a part of this impasse.

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 2023-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX I brought a chase private client {$2000.00} bonus coupon to Chase Bank in XXXX XXXX with intention to obtain the bonus. 
XXXX XXXX helped me to opened an account ( Chase Premier Savings ) and deposited my {$250000.00} to the new account. 
XXXX XXXX handed me a deposit receipt with a copy of account summary. 
Before I left the Chase Bank I have double checked with XXXX XXXX He told me that {$250000.00} has been successfully deposited to your new Chase saving account, everything is OK, no problem. 
After 90 days I just wondered why the {$2000.00} bonus has not deposited any one of my Chase checking accounts ( XXXX or XXXX ). 
XX/XX/XXXX Chase Bank assistant vice president told me XXXX didn't input {$2000.00} bonus coupon code to my new saving account. 
The Chase Private Client {$2000.00} bonus coupon only for customer open a new ( Chase Private Client savings account ) not for other Chase Bank accounts. 
I think XXXX XXXX opened a wrong kind of savings account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am recently out of bankruptcy and have made arrangements with my creditors to pay my debts. My payments to XXXX XXXX XXXX XXXX show a decreasing balance but my credit score is not reflecting this. The message on my credit report says, " this account needs your attention. '' It is showing negatively. I have reached out to the credit bureaus to dispute the info several times. XXXX says its up to the credit bureau to update my credit score. Please help!!

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 2021-04-27
Company: Winklevoss Exchange LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm just trying to close my account and withdraw my money from Gemini exchange. I've reached out to them several times to ask for help in this matter and all I've gotten is a standard auto-reply email that didn't even come close to addressing the information. They don't have a phone number to call to contact a live representative and their web based chat is bot based. 

I feel like my money is being held hostage. I just want to close my account and get my funds back. According to them, I have to set up a wire transfer first before I can do this ( Even though they had no problem taking my money from my credit union account via debit card when I first opened my account ). But now in order to pull my money out I need to establish a separate wire transfer directly to my account. Their instructions on how to do this has been no help since my credit union works differently. Again, I emailed them to provide more specific instructions and all I got was the standard reply email that had nothing to do with addressing my issue. 

Even if I receive my funds in the form a check through the mail I would be ok with this. 

Gemini exchange wreaks of a scam to me and I don't understand how they can remain open for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/XXXX : I was reviewing a recent credit report from Experian that was generated on XX/XX/XXXX and noticed an incorrect address on my report. The address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. I have never lived in NY and I have never been associated with this address. I then checked my credit report and noticed that an account for a credit card on XX/XX/XXXX at " XXXXXXXX XXXX XXXX XXXX ''. I did not open this account and I have never heard of the bank. The account status was listed as closed. I immediately called the contact number list, XXXX and left a message. 

XX/XX/XXXX : Received called back message from XXXXXXXX XXXX contact and was told that the fraudulent account was identified immediately and the account was closed on XX/XX/XXXX the day after it was opened. I was told to contact Experian directly and inform them that I had spoken with the company and to request that this account information be flagged as fraud and to be removed from my credit report. 

XX/XX/XXXX : I called Experian and made the request in the form of a dispute to have the account information as well as the address information flagged and removed from my account. Experian informed me to report the fraud and file a report on XXXX I am currently dealing with identity theft that was confirmed by the IRS for my XXXX tax year that XXXX possibly be linked to the same NY fraudulent address.

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 2022-04-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Navy Federal, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation