BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS BEING REPORTED ON MY CREDIT ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TOTHE ACCOUNTS THAT ARE BEING DISPUTED.

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 2021-04-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I discovered a XXXX  bill for my XXXX from XX/XX/XXXX that was sold to a collections agency on XX/XX/XXXX XXXX original amount : {$1500.00} ... current amount is over {$1700.00} XXXX. Neither I nor my XXXX heard anything about this debt. We did not receive mail, a phone call, an email, or anything regarding this debt, or that it was even in danger of being sent to collections. We also did not hear anything from the collections agency itself. The only way we discovered this was by checking XXXX credit report last week XXXX XX/XX/XXXX ). Sure enough, I called the company and verified the debt, but they had no information beyond that as to why we never heard anything about it. They also would not put a hold on the account until I could solve the issue. Just seemed like an informational call, and not a solution-driven XXXX. 

The creditor was XXXX XXXX XXXX and the collections agency is Wakefield & Associates. Neither XXXX of these companies reached out to notify us of the debt, or the ability to dispute it. What is also alarming is that given the date of service XXXX XXXX XXXX, XXXX ), the only bill that could have been received was set up in a payment plan that was paid between XXXX and XXXX of XXXX. This is of course is an assumption on my part drawn from the only possibilities I can think of from that time period. I have no way of knowing or verifying if this is what the debt is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was using cash app to send a payment to someone and the kept canceling my transaction when I asked them why they gave me some scripted spiel that really didn't pertain and when I check my account that payment was originating from it didn't show the transaction canceled or the money back in my account now every other time they cancelled the transaction the money was reflected back in my account instantly but this last time it didn't when I told cash app of the miscommunication they gave me some scripted spill again and so then I waited to just verify that nothing had changed on my account and and it didn't so I let them know again that I never received the money back my bank has no record of the canceled transaction that the payment was sent through and they kept saying the same thing over and over they're just basically defrauding me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent information.

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 2023-03-13
Company: Experian Information Solutions Inc.
State: PA
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:
Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification.

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 2022-03-19
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: Account status incorrect

Complaint:
XX/XX/XXXX Fraudulent use of my XXXX  XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with XXXX. Assured that XXXX  XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX XXXX  Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee XXXX  XXXX Mastercard reverses fraudulent charges BUT XXXX  reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to XXXX  XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with XXXX  XXXX Mastercard to Transunion and awaits response.

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 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One fails to accurately post my available and pending balances regularly. I've discovered that when the balance is getting low they claim I have more funds that I actually have. I have images showing the balance showing one amount and then later changing the amount without any new transactions. Balances do not line up from moment to moment. It's done in order to force customers to over spend thus causing overdrafts. There are many days when I open my account and the balance next to each item is blank. It took me nearly two decades and nearly {$25000.00} in overdrafts to discover the fraud being committed. I sent my documents to them through the complaint process asking for the last year 's overdrafts. They failed to respond to me with the outcome, so I don't have a copy of the letter. They did send the letter to consumer finance who read it to me. They did not even address the issue I complained about. It was like they ignored my documents, my letters, and my complaint completely. This tells me they know they are stealing from customers. I want my overdrafts returned to me, as at least 75 % of them occurred to false reporting of my balances. I submitting an example of what I am talking about, as well as today 's view of my transactions with blank balances next to each item. I honestly do not know if and when my balance is ever accurate. Capital One, you have my permission to show my records to consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: CA
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 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 : {$2600.00} XXXX XXXX XXXX A XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I XXXX transferred {$2000.00} to a scammer connected to a XXXX XXXX Bank. My Bank of America recently told me that they would not be able to dispute this transaction. 
The scammer pretended to be a landlord for a 1 bedroom apartment in the XXXX XXXX area of XXXX, XXXX Our communications have been through email, and the scammer pretended to list their " apartment '' on XXXX. XXXX told me the numerous red flags of the situation, confirming that it was a scam.

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 2020-02-13
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called the collection agency and explained that XXXX XXXX Hospital made a mistake in billing me. I gave them my receipient medical ID number and my Medicaid card.The debt is over 10 years old and several collection agencies had this debt. The billing information was also forwarded to the Department of Human Services and XXXX XXXX Hospital has erroneous information I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX XXXX to M & T bank last month. I had set up semi monthly payments with XXXX XXXX, and was able to set it up with M & T bank. Last month on the XX/XX/XXXX and XX/XX/XXXX both banks withdrew the money out of my bank as agreed apron. Not on the XX/XX/XXXX this didn't happen. M & T bank never warned me that the withdrawal was not going to occur and why. I had paid my previous months payments and the letter I received said that they were going to continue on the XX/XX/XXXX. I have contacted M & T bank multiple times and for one reason or other they are not willing to honor the  agreement that we had. They are the ones that didn't honor the agreement and I want them to honor it. I do not trust them by issuing an ACH withdrawal at this time because what has transpired during this process. Now they are threatening me that they will not withdraw my mortgage on the XX/XX/XXXX of this month

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : 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 2023-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
On 1-2-2023 I sent to Experian, XXXX and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. Experian keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that Experian is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.

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 2020-02-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I did a refinace on my home and paid off my Personal Credit Line with Huntington Bank. On XX/XX/XXXX I was contacted by phone by my title company who informed there was still a balance owed and it was going to jeopardize the status of my refinance. Upon review of the account here is what I found : On XX/XX/XXXX my account had a XXXX  balance but on XX/XX/XXXX an additional charge of {$190.00} was assessed. When I called Huntington I was advised by a representative of the bank that the fee was assessed in error and that they would have it waived. I advised them this was impacting my refi and he stated he would have it expedited. 
On XX/XX/XXXX I received not one but two letters from Huntington with a demand for payment due by XX/XX/XXXX or I would incur additional interest. At this time I followed up with them only to be advised that I had been misinformed by the previous rep and that because there had been a draw on my account of {$400.00} that I owed {$190.00} in additional charges despite having paid the account balance to XXXX and that the amount would not be waived as I had been informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/XXXXXXXX XXXX XXXXXXXX, I received a phone call from chase bank alerting me that a wire transfer for a large sum seemed unusual activity for my account was initiated. They asked me to confirm if that was me and I said NO, it wasnt me. Chase Bank asked me personal information regarding my account and I immediately asked to speak to a supervisor for clarity. They transferred me to a supervisor. The phone number matched the same phone number on the back of my Chase Bank Card so I was not immediately suspicious, as I thought I was speaking with my bank. I was directed to take steps to reverse the wire transfer. During this time a wire transfer in the amount of XXXX was taken out of my account. I called Chase Bank right away and was directed to fraud protection, they advised me to recall the wire transfer. So I did as directed. The representative for the bank told me I was not to worry and I would be in the clear stating the transaction was still pending and these transfers take XXXX. to process. At this time it was XXXX Friday and the local branches were closed. I called the follow up phone number included on a Chase email confirming the fraudulent wire and I was put on hold for 50minutes before trying desperately to intercept my money. First thing Saturday morning, XX/XX/XXXX, I went into Chase bank and filed a claim, I also filed a local police report. I had no support from chase regarding this matter all weekend. By the time chase initiated a recall or a reverse on the wire, the fraudsters were long gone with the my money. Chase also did not call me to verify this unusual transfer when it was pending, someone, other than me called Chase and told them my private information and they passed these so called high risk security questions. Chase themselves were scammed into thinking it was me. Chase did not call me directly for me to verify an unusual wire transfer, never. They haphazardly accepted a security call in from someone that was absolutely not me, and not from the primary phone number to process this fraudulent wire transfer. Unacceptable/unreliable verification procedures on Chase Banks behalf has allowed criminals to get away with over {$20000.00} of my hard earned money. They have a recording of the fraudulent persons whom pretended to be me and passed my security questions in real time to a Chase Bank representative as they authorized the fraudulent transfer. When I asked for those records they refused and basically told me that I allowed this to happen and that I benefited from this fraudulent activity. Statement from Chase : " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). '' Chase Bank takes zero accountability and puts all the blame on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX trying to collect a debt not owed by me but they have put a negative identity on my credit reports on XX/XX/2018 this debt was paid a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am disputing a charge on my checking debit card that was not authorized by me. On XX/XX/XXXX, I requested a pickup of clothing to be washed and I also had labels on each bag inside and out stating this. On XX/XX/XXXX the clothing came back dry cleaned which is a substantial difference in money ( {$220.00} ) in excess of {$200.00} of what it should have been. I called many times to ask for an error correction from the company with no luck and therefore disputed the charge with my bank. The bank decided there was no error on part of the cleaners. I am forwarding a few documents, letters and photos that were involved and I have many more if needed. 
Thank you for any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX county notifying me of the court complaint. The judgment was filed XX/XX/2019, however, I was a legal resident of South Carolina at that time and never received any correspondence from either XXXX XXXX nor XXXX County. The address referenced on all correspondence is an address from several months prior that was no longer in use. This company is more than taking advantage of consumer rights!

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 2022-12-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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