BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: MD
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2019-09-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I had an item on a selling app and a guy sent me a check and I cashed it ... later it bounced and destroyed my chase bank account. It was for {$2500.00} and the guy got away with it and chase didnt do anything to tell me anything about my closed account and just hung the phone up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: DC
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 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$170000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied for a mortgage with loan depot and my loan was denied but no adverse action was provided to me, even after repeated requests one has not been issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: UT
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:
On XX/XX/2020, I sent a payment in the amount of {$2500.00} to Chase for my XXXX account. On the statement that reflected the payment was received, I was comparing my balance changes, to determine how the payment was applied, and the balance differences on one statement to the next didn't add up to the {$2500.00} I submitted! Where was the missing {$800.00}?! I contacted Chase, who said they would escalate the issue, simply asked that I keep making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: LJ Ross Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that I am a victim of identity theft. I have lived and worked in XXXX for XXXX XXXX years, however a utility account in XXXX  was opened in my name. The debt collector is named L J ROSS ASSOC and the utility appears to be XXXX XXXX XXXX. I have never had electric service with XXXX XXXX. I can provide contact information for my landlord in XXXX XXXX and employer who can attest to the fact that I do not live in XXXX and have not for years. I did not authorize any third party to open a utility account in my name.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent in a letter to have unauthorized fraudulent inquiries removed from credit report to XXXX I asked them to investigate them and have them removed.

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 2023-05-25
Company: TransferWise Ltd
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wise prompted me several times to go through an appeal process after a month of raising the first appeal, holding my money for more than a month and finally refunded it partially, surprisingly for reasons that was never communicated to me. This is totally unacceptable The company ( Wise Inc ) has not fulfilled all my requirements and has based their conclusions based on their own hypothesis/assumptions, without following the normal standards and procedures which are agreed in the customer agreement. I have briefed below the points in breach by Wise Payments : 1 ) Wise has listed the potential reasons of account closure ( 4 reasons ), however, they didn't elaborate which reason in specific is related to my case or how they arrives to their own conclusion. They claim that the " way how they are regulated '' prevents them from discussing this forward. This is totally random and against the industry best practice. Moreover it diminishes the basic customer rights inline of financialregulations worldwide. 

2 ) Wise decided to act on their own discretion to " refund '' senders in response to disputes raised by them pertaining transactions XXXX from XXXXXXXX XXXX ( XXXX XXXX  ) & XXXX ( XXXX XXXX ). They performed the refund from " my account '' without intimating me, raising specific questions as to why or how I received these funds or what I have provided in return and/or without a court decision to perform this action! This is totally unacceptable and reflects a discrimination against their own clients, aligning with " potential scammers '' without proper reasoning or justification. These transactions took place as a trade of virtual assets/crypto ( XXXX/XXXX ) on a peer-to-peer platform. Screenshots of the completed trades and/or my conversation with the buyers ( who turned out to be scammers have been sent to Wise Payment 3 ) While I am now in loss of ( XXXXXXXX XXXX ) due to the random illegitimate action of Wise Payment performed on my account, Wise is offering in a return a compensation of {$150.00} for the damages impacted me and my family due to the delay and unprofessionalism of their action!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: JPMORGAN CHASE & CO.
State: NV
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 made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do no reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment. ( not a duplicate issue, this is for another payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have been trying to close an existing account for a HELOC. The home has been sold and we are having to cover the amount of the HELOC through an escrow account until the bank gives us a letter that states the account is closed. We originally tried to contact the bank Friday XX/XX/2020. We waited on the phone for approximately 1.5 hours in the morning and again in the evening without getting through to a representative. We again called on XX/XX/2020, Monday morning, with the same wait time and no contact with a customer representative. We made an appointment at a local bank for XXXX XXXX on XX/XX/XXXX and local loan officer could only call the same number we had previously called and informed us wait times were 1.5 hours or longer and he could not help us close the account. We finally reached an agent the evening of XX/XX/XXXX and explained that we wanted to close the account. We paid a {$25.00} fee to close the account and were told the account would close as soon as the fee cleared but that may not happen until XX/XX/XXXX due to a system update. We explained that we were closing on XX/XX/XXXX and asked could anything be done to speed the process. They stated the issue would be sent to an escalation team. We called back on the morning of XX/XX/XXXX to see if anything had been achieved and were informed nothing could be done until XX/XX/XXXX when the update was complete. We went through with the closing and had to place {$50000.00} from the sale of the home into an escrow account to cover the HELOC not being closed. After confirming the fee had cleared our account, we called back on XX/XX/XXXX to see if the account could be closed. We were again informed that there was issues with the update and they were unsure of when the account would be closed but they would make sure ( once again ) that it was sent to an escalation team. We have continued to call back with repeated wait times exceeding 1.5 hours with no answer from representatives or receiving auto-messages that they are closed and to call back during normal hours up to XXXX when it has been XXXX or XXXX XXXX when we called. It is now XX/XX/2020 and more calls have been placed without speaking to representative and only being able to leave a message after 2 hour wait. We need the account closed to receive the funds from escrow as we are closing on our next home. Any help would be greatly appreciated. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE XXXX  XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
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 been a XXXX plus year XXXX card holder. In late XXXX the XXXX XXXX XXXX XXXX card service provider was switched from XXXX to Barclays Bark. I believe as part of the switch Barclays created a new account number for my relationship without subsequently terminating my prior account number ( my prior XXXX account number was XXXX ). For the the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Barclays reported account late XXXX, XXXX, 120 days late before reporting closure of the account in default. During this time payments were made timely to the new account they established. When contacted for resolution Barclays has indicated they have no record of account XXXX although it is clear they're reporting the account to the credit bureau 's in error. 

The unfortunate credit reporting error and subsequent inability to resolve has created a hardship and inability to have additional credit extended by other lenders. Your assistance is appreciated

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 2020-08-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I took out a loan of {$400.00} dollars at the time I thought I would be able to pay the loan. My grandmother passed away and I was in an accident that left me out of a job that same year my dept accumulated interest and they were charging me XXXX XXXX  of my XXXX $ loan they processed to Harass me making threatening calls finally they called my mother and told her that this was a federal case and I am subject to go to court I was able to get a number to call when I did call the people were so rude to me threatening me telling me I was being sued that they would see me in court. They didnt give me much option now they are taking out XXXX from my paycheck for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am NOT represented by an attorney and I am requesting that Capital One please respond to the attached letter that I have sent via certified mail and NO response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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. 

Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : 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 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 2021-11-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Equifax to report fraudulent inquiries. I never received a noticed with proof the inquiries belong to me under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with PROOF that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX, TN XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX TN XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have good credit scores as in XXXX with my reporting agencies. 
TransUnion just dropped my score to XXXX as I had a new XXXX card with XXXX who didn't report a limit. 
Instead of viewing that as a great thing with XXXX trusting me with credit they reported against me. 
Please investigate this with TransUnion, another way to try to get me to pay more with credit problems. My scores should have gone up not dropped XXXX points!! 
this is the only thing that changed with them. 
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 non-monetary relief