BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: U.S. BANCORP
State: NM
Product: Credit 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:
I have written or faxed four ( 4! ) times Elan Financial Services, operator of the XXXX credit card offered by Fidelity Brokerage about a disputed charge. This disputed charge was trans ref no XXXX, transacted XX/XX/2023 by a company identiied as XXXX XXXXXXXX for {$26.00}. Elan completely ignores these four communications with them. I will attach some of them

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 2023-01-06
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An old navy card I got a few years ago was used not by me. I have even misplaced this card. Charges were made in a different state even that I live in. I disputed and that was reported as accurate info so I owe for the purchases and late fees

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 2022-04-29
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I received notification on my Freedom Mortgage on-line account on XX/XX/XXXX that my loan servicing was being transferred to ( JP Morgan/Chase Bank N.A . ) . The effective date of the transfer was XX/XX/XXXX. They failed to give me the required notice within 15 days. They state they sent a letter dated on XX/XX/XXXX via XXXX. Unsure if the letter went out on XX/XX/XXXX and Freedom Mortgage could not provide any proof that it did, but I did not receive it until approx. XX/XX/XXXX. I received a letter from the new loan servicer JP Morgan/Chase on approx XX/XX/XXXX that was dated on XX/XX/XXXX. In the letter it stated that they were my new loan servicer and that I would be able to make my first payment on Chase.com or their app or on-line on XX/XX/XXXX. It did not provide any additional instruction in the event I wanted to payoff the loan prior to this date. I intended to payoff the Mortgage on the XXXX of XXXX, but was unable to due that because JP Morgan/Chase said that the account wouldn't be set-up and available until XX/XX/XXXX. I was unable to login and get a pay-off amount and JP Morgan/Chase did not provide instructions in their letter on how to payoff a mortgage before the account was set-up. When the account went active on XX/XX/XXXX, I tried to access the payment link on the web page and got error message each time I tried. On XX/XX/XXXX, I tried a again and was able to get the link to work, but when I tried to link a payment account, I got error messages stating the instant linking ran into a problem and it would take XXXX days to link the account per a different procedure. This would have led to more interest accrual. I then called JP Morgan/Chase and asked for a retro-active payoff amount for the date of XX/XX/XXXX. They said they couldn't provide that and I would have to pay the current payoff amount. This means that I incurred a daily interest on the loan balance of {$17.00}. This resulted in a total interest increase of {$180.00} to the loan balance when I paid it off on XX/XX/XXXX. I believe that they did not act in good faith on providing instructions on how to payoff the loan prior to the account becoming active on-line. I asked them to refund the interest amount of {$180.00}, but they refused. I then was told that I could go into a Chase bank and payoff the mortgage in person which I did on XX/XX/XXXX. The payoff amount included the interest that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CL Holdings LLC
State: AR
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 fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1668B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for an purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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
Consumer complaint received 2021-03-17
Company: WELLS FARGO & COMPANY
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, someone logged into my XXXX account and ordered {$660.00} worth of items to my address ( perhaps to test out if the card will work? Not sure why that happened ). XXXX password manager tells me there was a data breach during the summer of 2020, and I was email bombed for weeks after the incident. Not sure why they were able to order since they don't have my 3 digit security number ( the card was merely saved to my account for speedy checkout ). I would think this is ultimately XXXX 's fault for allowing that. Is it illegal that they do not ask for the 3 digit code? I called XXXX to tell them about this order. I tried cancelling, but it was already being processed ( which is crazy because it had just happened. I applaud their speediness ). They said they placed a flag to the carrier to not deliver, and I never ended up receiving the items that I was not able to cancel. I also called Wells Fargo to submit a fraud claim and to cancel that credit card. The fraud claim came back denied. I repealed the claim and submitted another one, and that was denied. They said I need to contact XXXX. I did. XXXX said I need to contact Wells Fargo. I've called multiple times, and neither say they can do anything about it even though they know XXXX did not deliver the items to me. Very absurd.

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 2020-02-07
Company: EQUIFAX, INC.
State: CA
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 AM A VICITM OF IDENTITY THEFT, I HAVE REACHED OUT EQUIFAX NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE ALSO REACHED OUT TO THE CREDITORS AND ACCORDING TO THEM THEY HAVE MY FTC REPORT AND THEY HAVE NOTIFIED THE BURAU BUT EQUIFAX REFUSES TO REMOVE THE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: IL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 09/05/22 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/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
Consumer complaint received 2022-04-29
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/27, late evening, I was trying to purchase rare livestock and was planning to use Venmo to secure the purchase. 

I had driven all the way to the location to pick up the animal and tried accessing the app to pay the other party, but the app refused to send my money stating there was internet issues, even though we tried two wifis and data only, restarted the device, tried force stopping the app, tried uninstalling and reinstalling the app... Nothing worked and in fact, when attempting to log back in to the app, the app refused to accept my password, and then refused to send me a password reset link for several hours... I believe you can clearly see evidence of damages here and when attempting to have the company address the issue, the denied any issues on their end even though they admitted that the app sometimes doesn't work if your phones normal device settings are on ... i.e. you can not have WiFi and data turned on sometimes... The app does not have this info posted anywhere for consumers to access nor is that solution viable to what I experienced.

The app owes me money and I would like them to do the right thing for making a costly mistake that only affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.

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 non-monetary relief
Consumer complaint received 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Capital One. I followed all instructions to open the account. I used the mobile app to deposit a check. The check was under the daily deposit maximum. Capital One took about a week to clear the check. They took the funds from the issuer 's account and put it in my account. Now, they will not release the funds to me, because they say that can't " verify '' it. I have complied with all things that XXXX has asked of me, but they are not taking any reasonable measures to resolve this issue. They said that they needed to have the name and contact information of the person that issued the check, and I provided that. Also, the information is on the check that was presented. And, they were able to look up the webpage of the issuer and see office hours. They said they would call and verify the check. They have, so far, not done that. I have spent more than 8 hours on the customer service with them. I was told that for example, they tried to call and the phone disconnected, so they weren't able to speak with the issuer. They told me that if they are unable to reach the issuer, they don't try again. They simply wait for me to call and for me to ask again. However, the issuer has reported to me that he has not had a received or missed call from Capital One. I can't resolve this issue by myself. Capital One has to participate in resolving this issue. Capital One doesn't get to just keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase Bank fees and stop XXXX payment I have a problem with XXXX.I cancelled my XXXX agremment two month ago and they accepted it.But they charged me a couple time ( Date:XX/XX/2019 {$12.00} / Date:XX/XX/2019 {$15.00} ) .I ve talked XXXX more than ten times but they are not helpful, I tried to get my conversation more than last one as a proof but i am scaring to charged me again, They are charging me again again and again their customer servis very bad.They have wasted my time asking questiones.End of the talk, they are saying at this time you use account but next mounth we wont charge it but charged it again.So i need to stop this XXXX  payments on my Chase Bank Acount . But Chase Bank doesn want to stop it cause of insufficent fee XXXX dollars.And they dont want to block XXXX payment .The solution is replacement of cart but i am going to waste time and money again.XXXX  frauding me and Chase cant stop it and supporting them. 
My case Bank Acounnt number:XXXX My XXXX Acount Name : XXXX My email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. XXXX notified me " XXXX XXXXXXXX XXXX-UPDATED. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX XXXX A nor XXXX XXXX XXXX XXXX I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX  as my original creditor because I never had any creditor relationship with XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX failed to produce any documented evidence of how LVNV FUNDING, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX. LVNV FUNDING is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX CXXXX XXXX XXXX XXXX XXXX  Also known as XXXX XXXXXXXX BANK NA as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.

Company response to consumer: Closed with explanation