BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX XXXX  : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$1200.00} Account Status : DEROGATORY Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
My Remark : I DID NOT REPORT DISPUTE WAS RESOLVED THIS IS A LIE AND VIOLATING MY RIGHTS, XXXX XXXX CARD SERVICES : XXXX Payment Status : COLLECTION/CHARGE_OFF Reported Balance : {$840.00} Date of Last Activity : XX/XX/2015 Account Status : DEROGATORY Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees My Remark : I had my card stolen at the end XX/XX/2015 and called immediately to report the stolen card. XXXX XXXX XXXX XXXX told me that they can freeze my account and issue me a new credit card, after weeks of waiting I tried to pay my bill during the due date ( at the time the amount of around $ XXXX {$500.00} ) and without informing and my consent, XXXX XXXX CARD SERVICES closed my account on their Date of Last Activity : XX/XX/2015, which is not my date of last activity. This also violated my rights., XXXX XXXX XXXX XXXX XXXX : XXXX Payment Status : Current High Balance : {$1000.00} Creditor Remarks : Closed or paid account/zero balance Account Status : Paid, XXXX XXXX XXXX : XXXX XXXX XXXX : COLLECTION/CHARGE_OFF Amount : {$1400.00} Account Status : DEROGATORY, XXXX XXXX XXXXXXXX : XXXX, HARD INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has all 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 an 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 2022-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I keep experiencing the following problem with Chase Bank. The problem has never been resolved and I'm very concerned about Chase 's banking integrity and confidentiality. 

XXXX, 2022 : Could not automatically access my account via phone XXXX, 2022 ; Could not automatically access my account via phone XXXX, 2022 : Could not automatically access my account via phone XXXX, 2022 : Could not automatically access my account via phone I was unable to access my account via phone with my PIN # ( which I have been using for years ) ; the prompt told me to enter my complete Social Security Number ; which led to a live representative. 

At first the representatives said there was a system wide problem that didn't allow PIN # 's to access accounts. They told me this numerous times over the months. Then a supervisor told me the problem was unique only to my account, that they would create a case #, correct the problem on my account and contact me to confirm resolution within XXXX hours. I never received any communication, nor has the problem ever been resolved. 

I'm very concerned that this issue continues ; that I always have to use my complete Social Security Number to access my account ; and I'm concerned that the bank has never informed their clients that this problem exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: UNITED BANKSHARES, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at approximately XXXX, I visited XXXX XXXX United Bank drive through ( the closest to me ) to send an international money transfer of {$5000.00} to XXXX XXXX the money was needed for my late XXXX XXXXXX/XX/XXXX funeral, they stated availability date on the receipt, was XX/XX/XXXX, but up till today ( XX/XX/XXXX XXXX, the money was never received, I have tried working things out with the bank but to no avail. 
On XX/XX/XXXX, I reached out to the branch manager to get a tracking for the transaction, I was told it cost {$50.00} which I was ok with but I never got the tracking requested, then a few days later I demanded a refund and was told that the receiving bank will charge {$35.00} and till date I have not gotten my money back. 
I have been going back and forth with United bank since then, when I call they say they will reach out to their wire department and let me know but I never hear back from the bank until I call them and they give me the same story, like a loop. 
On XX/XX/XXXX, I received an email from the XXXX XXXX branch assistant manager that the money was confirmed to be credited to the beneficiaries account on XX/XX/XXXX and was asked if I still wanted it recall and I said yes because the funeral was already done, I also reached out to the beneficiary and he confirmed the money was not there, I reached back out to the branch to get proof of remittance and got nothing back. I even gave them the receiving bank contact information because they claimed they could not reach them ( I mean I got the info from XXXX and they could have gotten it too if they tried ). 
I also received an account closure mail on XX/XX/XXXX from my branch in XXXXXX/XX/XXXX that they've elected to close my account, I called to ask why and I was told that it is because I don't buy groceries, gas etc like everyone else with that card thus they see me as high risk, I then asked about the pending international wire and the manager said that the bank has been forthcoming from the beginning that the information used was incorrect ( I did double check with the beneficiary and it was correct ) then I asked why he didn't say anything when I called him XXXX XXXX 's branch ) before to complain about the issues with XXXX XXXX branch and he said because you did not send it through my branch. They also ended up not closing the account. 
After over six months of calling customer services and dealing with two managers and two assistant managers, United Bank has failed to deliver, track/trace or recall the {$5000.00} sent since XX/XX/XXXX. 
If you bank with or are thinking about banking with United Bank ( www.bankwithunited.com ), please save yourself these headaches, do not wire money with 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 explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions 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 victim of identity theft. my identity was stolen and my personal information was used without my consent which is illegal. Please block and remove these UNauthorized accounts from my credit report. 

attached is my social security card and my state id. 


please block and remove the following accounts 1 ) XXXX XXXX XXXX  Account Number : XXXX amount {$1800.00} 2 ) XXXX XXXX XXXX account number XXXX amount 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 2022-10-11
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MRS BPO, L.L.C., sent me information on account I have no knowledge of. I have not conducted business with this company or provided them with my information. They advised me that it's a debt from XXXXXXXX XXXX in the amount {$3200.00} which I have no knowledge and is fraud. 
MRS BPO, L.L.C., is no licensed to collect funds in the state of GA as well and acquired my location information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-05-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the beginning of the year I applied for a mortgage refinance through my bank ( Navy Federal Credit Union ). I went through the process smoothly until the appraisal. The appraisal came back not in my favor as the amount was lower than the original appraisal when I purchased the house in XX/XX/2019, and I already have done work on the house to improve including flooring and changing major appliances. I asked for a reappraisal and presented documents of my original appraisal plus all the paperwork of house improvements. The reappraisal was denied ( which is their right I understand ) so I respectfully asked for the application to be withdrawn as I will not continue. First the locked my interest rate when I specifically asked for it to not be locked twice especially during this pandemic since I understand the interest will be lower and in my favor according the federal reserve multiple statements. I have it over the phone recording through them and twice through emails and it wasn't unlocked. After the appraisal situation, I asked for the application to be withdrawn, only to get this letter in the mail station " credit denial '' and when I emailed the mortgage processor, attached was her response as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022, I opened an account on XXXX XXXX to take advantage of a bonus offer that requires transferring a certain amount of money ( {$100000.00}, in my case ). Prior to opening my account, I called XXXX XXXX to figure out how I could transfer securities from a competitor ( XXXX XXXX ) and specifically asked if there were any associated fees with such transfer and was told that there should not be any fees or, if there were, that they would be waived since I was a new customer transferring a large amount. 

I initiated a transfer of all my securities from the competitor on XX/XX/2022 and the securities were transferred, and in my new XXXX XXXX account, on XX/XX/2022. However, there was a suspicious charge on my account of {$75.00} ( labeled " Transfer / Adjustment ADJ TRF DEP DR XXXX XXXX '' ) and, after contacting XXXXXXXX XXXX  by phone, I was told that this was a transfer fee that would be reimbursed to me. 

More than a month later ( in XXXX ), realizing that the {$75.00} fee was still not reimbursed, I contacted XXXX XXXX by phone once again and was told that the fee would be reimbursed " within 2 weeks ''. 

We are now in XXXX, I have already spent multiple hours on the phone ( there is no way to contact XXXX XXXX by chat, email, or secure messages ) trying to resolve an issue that I was told, no less than 3 times, wouldn't be one. As such, I am opening 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 2023-09-11
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
" On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a problem with the transaction, whereas tracking was added after the alleged delivery, but the item was never delivered nor received from the shipping company. An attempt was made to contact the seller via the item 's webpage and PayPal account email, with no reply. Attempts to contact PayPal directly have been impossible in writing, as the email associated with XXXX is not accessible. USPS states, " Your parcel, tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was scanned as delivered. I consulted with the carrier and retraced their steps to find your parcel. The carrier was unable to locate your parcel. I also conducted a physical search of the XXXX post office. I can only conclude that your parcel was misappropriated by a third party. You can avail yourself of the claim tools located at USPS.COM under the claim tab. I would also suggest contacting the shipper for a possible resolution. '' A refund is in order. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX, 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.

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 2023-09-11
Company: Paypal Holdings, Inc
State: TX
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:
The payment was made with my credit card thru PayPal and the merchant refunded the money back to me due to no products not available and the PayPal debited from merchant bank account but PayPal not refund money to my credit card they are holding for no reason. 

My name is XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX 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

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 2021-01-06
Company: Experian Information Solutions Inc.
State: TN
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 spoke with a representative at XXXX to inform them I was a victim of their data breach and inquires were added to my report that I do not recognize. Could not get the issue resolved.

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 2021-01-05
Company: Experian Information Solutions 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2023-04-19
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:
I am interested in processing disputes on my credit report with transunion. please review an remove all inaccurate information that is hindering my file. my credit report is damaged an needs to be corrected to clean my file. delete all incorrect information asap.

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 2021-01-05
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible when the date last active is inaccurate, and 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 response to consumer: In progress
Consumer complaint received 2023-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Proof of debt, copy of contract with collection agency with my signature, proof of licensing in state of Florida to collect debt as none of the companies listed in complaint are not licensed in the state of Florida to collect debt

Company response to consumer: Closed with explanation