BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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: 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 ACC 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 non-monetary relief
Consumer complaint received 2019-06-03
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:
Upon checking my credit report I've noticed inaccurate information reporting on my file. This information has to be someone else 's that's close in name cause these following accounts definitely not mines, please block these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX {$18000.00} 2 ) XXXX XXXX XXXX XXXX {$30000.00} 3 ) XXXX XXXX XXXX XXXX {$12000.00} 4 ) XXXX XXXX XXXX XXXX {$5300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: AL
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 ACC 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 LETTERS FOR REFERENCE

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 2023-10-28
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Credit reporting 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:
This account is a charged off account on my credit report. I do not have any knowledge of these accounts. 

According to : 15 U.S.C 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
on XX/XX/22 I was on my computer with my Wells Fargo accounts page and was going to transfer some funds when a message came up on the screen from my internet security company ( XXXX ) that said they suspected possible virus 's and hacking in my computer and to call them right away, so I did. They said they would need to get into my computer to clear it up and with one small step they were in. they said it would take some time to do the work and to step away and not worry but to leave the computer on and they would callme back the next day. The next morning they called to tell me they still had some work to do and to inform me I was selected for a free upgrade and a refund of my payment I had recently made. i was then taken to a page where I was to fill in my name and the amount to refund which was {$300.00}. I did that and then a screen came up which showed {$15000.00} in my checking account which they said was theirs and I would have to pay them back. I said I didn't know how that got there and they said I had to have done it when I put in the refund amount and now I would need to do a wire transfer for that amount. I now became suspicious and told the man I was not comfortable with all this and he told me if I did not comply he would take the money from my IRA accounts as well and then showed a page where they were zerod out. I was now concerned that I may lose all my money and so I had to go on with the transfer. He did all the work on that and told me what to say to the tranfer agent to initiate it. Then I told the scammer I had to leave for an emergency and would be right back at which time I called the Wells Fargo fraud line and explained what I was in the middle of and that I was really concerned. the agent told me he had all he needed after I gave him all the details but did not offer any advice or help on what I should do next so I figured everything would be OK. I got back to the scammer and the transfer was finished. what was puzzeling to me was the transfer agent did not seem to find it odd that I was transfering {$15000.00} to a bank in XXXX when I had never before done a tranfer at at and to person there for a wedding gift and I could not pronounce her name properly. All the while the scammer was telling me what to say. he then said to just leave the computer on and he would get back to me in the morning. The next morning when he did not call and I checked my accounts my credit card was maxed out and my on hand cash was gone totaling almost {$23000.00}. I called the Wells Fargo fraud line again and told them what had happened and they said they would do an investigation to which I just received the result as not their fault and I would have to pay back the credit card balance of {$18000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have a personal account with JPMorgan Chase Bank in XXXX, California. 
On XX/XX/2023 I did a Global Transfer to XXXX, XXXX XXXX, using a Chase Bank in New York as an intermediary. I called several times Chase because the money did not reached the destination. Every single time that I called the The bank reps kept transferring me to to a different rep because NOBODY knows or have an answer. On XX/XX/2023 I decided to cancel the transaction and requested to have my money back. Again I have to talk to at least seven people and every time I had to explain the same with no answer. On XX/XX/2023 the last person that I spoke with said that I have to submit my request of cancelling the transaction using a " secure messages '' login in to my Chase account. The responses of he system are " We received your request and we will have an answer in 24 hours. I check the messages every day there is no answer from the bank. 

These are the answers from the BANK : XXXX XXXX We received the message you sent us on XX/XX/2023. 

Here 's what will happen next : - We'll respond to your message within one business day. 

- To protect your account, we'll reply in the Secure Message Center. You'll need to sign in to chase.com or the Chase Mobile ( R ) app ( 1 ) to view our response. We'll email you to let you know the message is available. 

We're here to help. If you have questions, call us at the number on the back of your card. We accept operator relay calls. 

Thank you for choosing Chase. 

( 1 ) Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

The account is under XXXX Acct # XXXX Transaction date : XXXX XXXX Amount : {$21000.00} US Dollars Personal Account Outgoing Wire Issue : Transfer was made XXXX, XXXX, 2023. Money did not get to the final destination. I cancelled the transaction. I called Chase several times and there was zero answer regarding MY MONEY. I need my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2020-07-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been held up in underwriting now due to the way Shellpoint has reported the mortgage. Why is this loan reporting as in forebearance? It was removed I have had to call up and email about this multiple times in the last few weeks. 
This is against the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information reporting on my credit report remains inaccurate. please delete.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Addresses : 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 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 2017-09-23
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX cable company falsely charged me $ XXXXfor service I did n't have and sold the debt to Credit Management. The matter was resolved on XX/XX/XXXX by XXXX a customer escalation specialists. Credit management was informed in XXXX by myself and XXXX. In XXXX they began to report that the debt was originally {$640.00} and is now {$75.00}. This is a month after the matter was resolved and they were contacted by both parties. The debt was disputed and they stating its accurate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
TRIED SEVERAL TIMES TO GET ASSISTANCE FROM THE COMPANY BUT NO ONE IS HELPING. I FILED AN ID THEFT REPORT WITH FTC.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 2019-06-25
Company: JPMORGAN CHASE & CO.
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:
I'm a US citizen living in the XXXX for the last 5 years - I've been banking with Chase since long before my move & maintained a Chase savings & checking account until a few days ago. This complaint is twofold : XXXX - Chase is refusing to cover me on fraudulent/unauthorized transactions against my checking account, citing a T & C protecting me for only the first 60 days from the first fraudulent activity, & 2 - Chase subsequently closing my account ( due to the fraudulent activity ) & removing all information from my client login page ( significant balance, account documents, historical transaction information, etc ... ) without any formal notification or way of accessing this information. 

Complaint 1 - I've maintained my Chase account for the 1-2 small ongoing USD transactions I have per month but don't use it too often & don't tend to check the balance each month on account of the infrequent usage. On Friday, XX/XX/XXXX I logged in to check out whether a transfer had arrived & I noticed a significant number of fraudulent transactions from various XXXX accounts ( not mine ). I investigated & noticed the first of these transactions ( 2 deposits & 2 withdrawals less than {$2.00} - can't give you exact amounts because of Complaint 2 ) on XX/XX/XXXX. There were subsequent withdrawals of {$990.00} on XX/XX/XXXX, withdrawals of {$330.00}, {$110.00}, & {$22.00} on XX/XX/XXXX, withdrawals of {$330.00} & {$59.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, and another {$350.00} & XXXX on XX/XX/XXXX. I contacted Chase to let them know & they asked me to indicate all fraudulent transactions, which I did. They then told me they would only protect & refund me the fraud for the first 60 days from the first transaction ( starting XX/XX/XXXX ). When I tried to question how this was possible I was told to consult the T & Cs of my initial account opening pack ( from many years ago ) then subsequently accused of being negligent when asked how they couldn't have noticed the activity given it was so different from my normal spending habits. I was told there was no way to 'quarantine ' my account from other withdrawals & after being passed around to about 15 different people on the phone ( & explaining my situation about 12 times ) I was finally informed that my account would be locked down & I would then need to come into a branch to collect my balance. 

Complaint 2 - In subsequent days ( estimated date XXXX XXXX ) I have received no official notice from Chase & when I log in my account & all historical statements are gone, leaving me with no information. I have no idea where my balance is, what happens to it, & no access to any historical transaction information, which I find wholly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2019-06-25
Company: EQUIFAX, INC.
State: MI
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:
There is an repossessed car that was fraudulently put in my name. I've sent in paperwork and police report showing it wanr my vehicle and yet Equifax won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against Equifax and the company XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Truist Bank XXXX # XXXX Phone # XXXX I have been dealing with Truist Bank since XX/XX/XXXX with no response! 
I had a health policy with XXXX XXXX for the year XXXX with monthly premium payments of {$440.00} per month, which was on auto-pay, automatically withdrawn. 
The policy was cancelled effective XXXX XXXX and which time in the beginning of XX/XX/XXXX, all payments should of stopped. I reviewed my bank statements in XX/XX/XXXX and saw 2 months of premium payments in the amount of XXXX taken out in XXXX and XXXX. I immediately called the bank and informed them of these withdraws and they were NOT authorized. 
After many phones calls to XXXX and to Truist Bank, still NO rely or return calls. 
Truist returned XXXX premium payment for the XXXX withdraw in the amount of {$440.00} but refuse to to reimburse me for the XXXX withdraw of {$440.00}. 
I have NOT received any contact with Truist bank, and they are claiming in a letter they have closed my claim stating I authorized XXXX payment for a insurance policy I no longer had!! 
Truist never contacted me to discuss my claim and I ever went into the local branch to no avail. 
I was informed that the bank was going to deposit the {$440.00} into my account but still the money is not there after a month. 
I need you assistance in getting this matter resolved in a timely fashion and my {$440.00} is returned to me. 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 explanation
Consumer complaint received 2023-06-03
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 non-monetary relief