BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: JPMORGAN CHASE & CO.
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:
on XXXX XXXX my account ending on XXXX now XXXX got unauthorized transaction which took took out the sum of {$9500.00} from my two separate account. on the same day I got call from one the chase customer representative saying if I have the bank debt card with me and asking me if I authorized or take out any money from my account ending in XXXX. Than I had visited chase branch few time but I still didn't get any specific answer from the chase bank yet. It has been two moths pass and I didn't get any result yet. first the I had visited the branch they had closed my account which got the XXXX activity and I had i asked the branch manager i should file a police compliant and the branch manager had said I didn't need to file any police complaint. than one week later i visited the branch and same branch manager had called the main office and they were asking for police report and I provided them with the police report. but till today i have no certain answer from them. please help me retrieve the money. thank you for your time and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I submitted a complaint against TransUnion on XX/XX/2021 because incorrect and outdated negative information was being reported by TransUnion even after I provided supporting documentation. A supervisor even admitted that they had received updates from the lender to delete the information but refused to do so because of a unrelated pending dispute. 

Part of the original complaint was that TransUnion was factoring a paid collections account into my VantageScore 3.0 in direct conflict to information regarding the scoring model on their website and listed on various other consumer sites. 

Today after positive information was added regarding my newly transferred active student loans which were previously in default my score dropped XXXX points. There was no negative information included in any way shape or form and should have increased my score since o have no delinquencies or collections on my account. As far as research I was able to study the XXXX XXXX is calculated as such : Payment history- XXXX XXXX Credit utilization : XXXX XXXX Credit age : XXXX XXXX Credit mix : XXXX XXXX New credit or inquiries : XXXX XXXX 

Today I received an email from TransUnion regarding how my score is calculated, which I do not believe is a coincidence since it should have improved not gotten worse. Ive attached screenshots from that email. After searching the web for hours I could not find any published information regarding this version of VantageScore 3.0 It goes as follows ; Payment history : XXXX XXXX  Age and type of credit : XXXX XXXX XXXX of credit limit used : XXXX XXXX Recent credit : XXXX XXXX  Available credit : XXXX XXXX  I believe this change to how my credit report is being scored is a direct retaliation for submitting a complaint to CFPB. I have searched credit forums, message boards, knowledge base articles and can find no reports of a similar scoring system being represented as VantageScore 3.0. There needs to be an investigation and consequences for what I see as a blatant attempt to sabotage my financial stability and punish me directly for submitting a CFPB complaint.

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 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX Bank of America - XXXX I noticed an unauthorized charge on my checking account on XX/XX/XXXX in the amount of XXXX from XXXX The first representative said that I could place a stop payment to prevent this company from billing me again but I could not dispute the charge until it posted on my account. I called back on XX/XX/XXXX and a representative told me that it was possible that the stop payment was placed in time and that the transaction would be reversed. This did not happen and the transaction posted to my account. At XXXX this morning, I called to report this transaction. Instead of this being treated as fraud, they listed it as a billing dispute. I asked why and I was told it was because I had a charge from this company almost a year ago ( XX/XX/XXXX ). I never gave this company my new debit card information. 
The representative basically said that I could not get a provisional credit and she did not ask me for any information, She just said the claims department would make a decision. I have no clue what they would base their decision on ; therefore, I called the company that stole money from me. I have paperwork that list several discrepancies. 
I called Bank of America once again and was told that I could fax the information to the claims department. I sent an 11 page fax to XXXX. 
I called this afternoon to make sure the fax was received and Bank of America says they did not receive it. 
I feel as though my request is not being taken seriously, It is a less than a week before XXXX and my concerns are merely brushed off, miscoded as billing dispute and I did not receive any type of temporary credit. This is indicative that Bank of America has no desire to find out the truth. They will not help me and I feel as though I was punched in the stomach this morning when my concerns were not properly addressed. This is not fair to me, I want my claim treated as fraud and I want my money returned to 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 monetary relief
Consumer complaint received 2022-02-08
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My partner and I have a XXXX safety training business, we've been in business for 8 years and have always used Paypal ( my partners account ) for student enrollment Since my partner is retiring, I opened a Paypal account since he wont be part of the business. 
I opened the Paypal account to aid in my online firearms safety teaching student sign ups. I figured it shouldn't be a problem since we have used them for the past 8 years. 
I opened the account on about XX/XX/XXXX XXXX students immediately started signing up for classes and paying thru Paypal XXXX Once the class was finished on XX/XX/XXXX, I proceeded to make a transfer of the class fees to my checking account. suddenly i noticed that my account was frozen for 6 months suspicious activity. I immediately called Paypal, I finally talked to a representative and was not given any explanation for the freeze. They claimed that they didn't have to give any explanation and refused to release my funds. I'd appreciate any assistance that you can give regarding getting my funds released. It's not a huge amount of money but, I'm not a rich guy! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: Klarna AB
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:
XXXX credit bureau add inquiries to my credit report from a company, that I don't even know. This action affect my score baly. 


KLARNA/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My loan was being serviced through Freedom Mortgage ( XXXX # XXXX ). On XX/XX/XXXX I received notification that my loan was being transferred to XXXX  ( XXXX XXXX XXXX  ) effective XXXX XXXX XXXX. In the letter it stated that my loan terms and payment would not change, everything would remain the same except a new servicer would be collecting my mortgage payment. In the letter it restated my loan amount, interest rate, escrow payment, etc. My monthly payment was $ XXXX. 

On XX/XX/XXXX, XXXX drafted {$1400.00} from my bank account. I called XXXX on XX/XX/XXXX to find out why a different amount was drafted, XXXX stated that {$1400.00} was the information they received from Freedom. I asked for their documentation but they said they needed to get additional documentation from Freedom, to confirm the {$1400.00} payment. The XXXX representative mentioned that my escrow account increased but couldn't say what - property taxes or insurance. 

To date I have never received any documentation for my mortgage payment increase from FREEDOM or from XXXX. XXXX stated that they haven't received any documentation, that they are willing to share with me, as to why my payment has increased, but have put in a request from FREEDOM. 

I spoke with XXXX today, XXXX and my account has been sent to an escalation department and someone will be working on my dispute. XXXX stated that they would put a stop payment on my auto draft until this can get resolved. 

My concern is that even if my mortgage payment increased over XXXX XXXXXXXX due to escrow analysis, why was I never informed? That is a direct violation of RESPA. 
Also, what caused a XXXX XXXXXXXX increase? That is a fairly substantial increase.

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 2023-12-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 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 ( 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} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I deposited my check for over XXXX and they claimed my check was real and closed my account and took my money I'm still trying to get my money back.

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 2023-12-19
Company: MOHELA
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that Mohela is reporting that the amount they have is verified. Each time I call Mohela they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I checked my credit report on credit karma today ( XX/XX/XXXX ) and saw a significant drop in my credit score, from over XXXX to under XXXX. The impact was in XXXX of XXXX. A credit card ( XXXX XXXX XXXX  XXXX XXXX ) was opened 3 months ago, on XX/XX/XXXX, using my old married name, not my current legal name. I'm not sure how a credit card can be opened using a name that is no longer legal. It was also opened using my old address. The card didn't appear to be used, but the annual fee ( {$61.00} ) was not paid, which ended up putting late charges on my credit account, lowering my credit score by XXXX points. The late charges were within 30 days of not being paid. I called the bank on the same day ( XX/XX/XXXX ). The bank said they would close the account and I would not be accountable for the annual fee/current balance, but I want to make sure my credit score is fixed. I froze all XXXX credit union accounts in the meantime and will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical bill was sent to collections while I was actively still making payments on the account. In fact, after The account was paid in total it was learned that I overplayed in which I was issued a refund for the amount over payed. Ive reached out to the company multiple times informing that I was somehow sent to collections in error and they are unable to help or provided further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, regarding an account that was opened fraudulently in my name, which I believe to be a serious error and a case of identity theft. This unauthorized account has had significant negative impacts on my financial situation, including being denied housing, leading to financial hardship and homelessness. EXPERIAN Account Details for Reference : Account Number : XXXX Company : XXXX XXXX XXXX 
Incident Description : I recently discovered an account listed on my credit report under the name of XXXX XXXX that I never authorized or opened. I have no knowledge of this account, and I firmly believe that my personal information has been used without my consent. The presence of this unauthorized account has severely affected my credit score, resulting in the denial of a housing application, which has directly contributed to my current state of financial hardship and homelessness. 
Actions Taken : I have already contacted XXXX XXXX to dispute this account but have not received a satisfactory response or resolution. 
I have also filed a report with [ local law enforcement or appropriate agency ] regarding this suspected identity theft.

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 2020-11-01
Company: Experian Information Solutions Inc.
State: SC
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:
Sent dispute letter to experian on XX/XX/XXXX with copy of dL and ss card disputing fraudulent charges done by identify theft and haven received anything back

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 2023-10-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXXXXXX  In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: OH
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 recently checked my credit report and sent a complaint to all 3 credit bureaus. I seen wrong dates, amounts, and accounts. They removed some accounts and then added them back on without notifying me or getting permission. From what I know this is against the law. My credit report went up and then decreased tremendously without any reasoning or updates. I have sent them letters saying this along with my ID and proof of address. This is affecting my ability to buy a house and I cant keep waiting on them. They are saying I am not sending in ID and proof of address but I have 3 times. Im tired of fighting and need these accounts removed immediately. I have also taken the time to highlight what was wrong with accounts. Many accounts say open and are marked closed or derogatory and also many accounts say I opened them on 2 different days.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation