BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency TransUnion They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Transunion Dispute Results credit report I can still see inaccuracies and blatant violation. my dispute letter to the CRA dated XX/XX/XXXX, Inaccurate Items disputed ( XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the date updated didn't change, this irrefutable proof that no investigation was done. remove for violation However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date updated didn't change/update after the investigation was done, this proves that no investigation was ever done because the date update didn't change. Date updated didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Date updated didn't change to be a current updated date as per FCRA. 
It is to be noted that even after my dispute with the CRA, the date Updated didnt change and inaccurate items such as XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX  date Updated was ( XX/XX/XXXX ), XXXX XXXX past due reported on a collection its a violation, XXXX XXXX past due reported on a collection its a violation, XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX/XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX  date Updated was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from transunion investigation shows the date Updated didn't change/update

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 2020-01-28
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently had my checking account closed with Chase bank in the first week of XX/XX/2020 because of fraud problems. I have been fighting against claims with them that I filed. I had changed bank and I wanted to make sure my direct deposit from my employer XXXX XXXX  would be switch over in time for my next direct deposit. On my employee payroll work site XXXX I was not not to delete my XXXX information for direct deposit so I changed from it checking to saving since I didn't have a saving account with Chase banking to make sure the Direct Deposit would be rejected if it was still mistaking send there instead to my new bank. On XX/XX/2020 my payroll check of {$840.00} was send to Chase Bank and POSTED under another saving account that was not my account since I never had a saving at Chase bank and it was used to pay a balance from two claims that I was denied. My employer XXXX XXXX   informed me that my funds was never send back to their bank and I was given the tracking number and all bank information to show how they send it to Chase bank. I talked a supervisor by the name of XXXX XXXX ID # XXXX, which she told me, yes that it was received as a saving account even thought my account had been already closed and since I never had a saving account but they was NOT reversing nor returned my funds and that it didn't matter. What Chase bank did was a violation and illegal and I would like to have legal action completed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
After receiving an eligibility acceptance letter from the DOE, I stopped struggling to make the student loan payments I had been making throughout the pandemic. On XX/XX/2023, a male Navient representative called to discuss starting repayments. I stated that I was not required to restart payments until the Supreme Court made its final decision, or POTUS determined to abandon this initiative. After some debating about when I needed to restart payments, I told him to place my account on the " Do Not Call '' list and he hung up mid sentence. I immediately called back, spoke with a female representative, and asked to speak with a supervisor. My call still wasn't directed to a supervisor, even though I told her that I wanted all phone calls to cease and desist. I told her I only wanted to communicate with Navient via snail mail/hard copy print. That should have been the end of any verbal communication, but I currently have a call log from Navient 13x 's since the stated above date. This company has also logged as many as 11 calls in one week, most during my working hours. Then on XX/XX/2023 & XX/XX/2023, I accepted Navient 's calls to ONLY state my previous statement to place me on their Do NOT Call list and to cease and desist contacting me via phone calls. Since XX/XX/2023, I have received 9 more calls, and I'm now reaching out to this agency to find relief from these harassing calls that are unnecessary until POTUS or USSC determines repayments must legally restart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax : Today XX/XX/XXXX problems continue. I tried on XX/XX/XXXX, and XX/XX/XXXX to get my credit report. The Equifax program failed both times. As a result it shows that I received the report on me 2 times. But I never did. It will not permit another intent.Due to Equifax failures I have not had an up-to-date / valid report from Equifax in years. Equifax would not update / correct my residence address even though I submitted the requested forms in the format requested. The last address they listed was in XXXX - a mail service which I have used. They muttled that too. 
The reason for request is that there is a fraudulent collection report for something in the USA when I have not lived in the USA for years! The online Equifax dispute program does not function because Equifax shows a " File Blocked For Promotional Purposes ''. What? 
I have an ID & password with Equifax. That should permit me to do all that I need to do. 
The Equifax telephones ALSO DO NOT FUNCTION to talk to an agent. 
Also, I have lived in XXXX for 23 years. XXXX has its own credit system. The only info which Equifax may legally have related to me is historic. 

Also, I have just learned that I am a victim of the Equifax XX/XX/XXXX data breach. This further entitles me to assistance clearing up errors in their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Revenue Group has begun blowing up my phone calling me everyday from different phone numbers in an attempt to collect an alleged debt. The Revenue Group has never sent me a written notice about any debts owed. The Revenue Group has never sent me a notice providing me with the right to dispute the debt. They call my mobile phone during the day and at night. I have no idea why they are calling me. I have not been notified of any debts owed in writing. The Revenue Group has denied me the right to dispute any alleged debt and/or to contact the original creditor to make payment ( if owed at all ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: LA
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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.

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 2020-03-27
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
when i first learned of your agency, i never thought id click five times and hiding behind XXXX to start a complaint but im XXXX   so theyll deal ... i will be sending you all what XXXX sent amex and thry used to say we know last month we used the term credit not temp credit and now ill send you copies once i get a complaint number ... our whole deal was we ordered something via XXXX and now this ... via XXXX investigation which mentions nothing about simply foing a usps package trace makes sense no? XXXX from XXXX and amex. 
first pge, they mentioned twice name address it was supposed to go too but under the word delivery youll see tracking for package # 1 package shipped too : XXXX  shipping address : XXXX this item usps tracking details : XXXX then some XXXX  yapping third party shipper and more XXXX  hey how bout simple trace package ... then my fault cause i ridnt get what ordered and no signaturre proof my fault too ... : next from XXXX, maybe you getit a bunch of restricted info then you got ta see it, like place by place trace says approved still XXXX  says delivered or signature proof.. last page i circled " it was delivered and signed by on to the address listed below '' and thats it and thats why amex writes that credit we taken back cause XXXX  aint prove XXXX ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
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: Was not notified of investigation status or results

Complaint:
I Requested an investigation on 3 Collection items that were reporting to my credit report. Requested verification from XXXX XXXX account # XXXX, # XXXX and # XXXX twice. Once in XX/XX/XXXX and again XX/XX/XXXX. I requested validation from XXXX XXXX XXXX  and I have not yet to receive any response from them. The credit bureaus XXXX  and Transunion deemed these3 accounts verified. I want to know how it is that they were able to verify this account when I saw I received nothing from the collection agencies myself proving verification. I'm asking the CFPB to step in and help me resolve this issue. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the following acoount s are being reported inaccurately XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX late account is on auto pay, XXXX XXXX incorrect balance - always pay to a XXXX balance. experian, XXXX and XXXX are inaccurately report the accounts.

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 2023-03-06
Company: CBC Companies, 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: Account information incorrect

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  : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, and the 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, XXXX, and Transunion were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts.

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit?

I also have an account XXXX  which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? XXXX Was 30 Days Late 9 Time ( S ).

Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ), XXXX Was 30 Days Late 7 Time ( S ). Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ).

TransUnion Was 30 Days Late 4 Time ( S ). Was 60 Days Late 2 Time ( S ). Was 90 Days Late 3 Time ( S ).

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 2023-08-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I got in contact with an ad on XXXX with a girl looking for a friend and a relationship, we changed phone numbers on XXXX. She told me I teach how to make money in Cryptocurrency step by step through downloading and opening an account on a XXXX XXXX, Coinbase. I started to follow her texting and advice and screenshots of every step I do and sent it and sent me back the instructions. She asked me to put in as much money as possible to get a great income by swapping cryptocurrency. I shared my screenshots RQ code without paying attention she will scam me and compromised my wallet. she keeps asking me to put more money in my wallet and screenshots to her. when I stopped to do. she interrupted the contact with me, and after that, every transaction I do in my XXXX XXXX will disappear. I contacted Coinbase support in many chats they said all your transactions went through with success but they don't help me to find out who's the receiver. 
Scammer Name : XXXX, Phone Number : XXXX XXXX XXXX Second Phone Number : XXXX There are pictures we shared on XXXX and videos. 

My Wallet ID : XXXX and there are transaction hash numbers, dates, and times. Everything in the transaction history in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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: Non-sufficient funds and associated fees

Complaint:
Constant monthly fees. They freeze part of a check deposit.

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 2023-08-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
One morning I woke up and chase decided to close my account for no apparent reason! I use this account for my work check deposits and that is the only thing I use for this account! I dont write checks or deposits any physical checks all checks come directly from my job and I work at a XXXX. They wont even inform me why they are closing my account they are just closing it and wont even provide me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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  account # 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 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 2021-10-11
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 have contacted the credit bureaus and XXXX BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
some one charged my debit card 2 times for {$930.00} each time, and after the bank issued a credit for me with the amount of {$1800.00}, and after few days, the bank took back the {$1800.00}

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 explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Last year in XXXX I got my statement adding an extra XXXX on my credit card. My Credit limit was XXXX. I already used about XXXX on the card it went from XXXX to XXXX. The moment I saw this I called Capital One letting them know that it was not my charges and this was a fraudulent action. I talked to them for over an hour and they refused to investigated. They told me that they put it on my bank account. I offered to show all my bank statements showing that I was never giving XXXX and they say no. That I would have to pay regardless and they will not looked into it. Now its over 23k and thats including interest accumulated over time. I was willing to pay the XXXX that o owed but now. Im exhausted of this and I sent them a letter to show proof that it was my doing and to validate my charges and they sent XXXX letters saying that they will not do that. This is been going for A year now and its exhausting to deal with this and Im extremely upset that. When I called them a year ago they could have fixed this but they didnt even bother doing one thing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I totaled my previous car on XX/XX/2020. XXXX insurance issued a check for XXXX and my damages were only XXXX. Whoever my salesman was when I getting into my new lease ASSURED me I wouldnt have anymore debt especially since insurance paid for more. That was how I was able to get a low rate/low down payment was because of assurance that insurance would cover damages and lower everything for me.

Company response to consumer: Closed with monetary relief