BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have continuously spent time and money writing to XXXX and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND XXXX   responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.

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 2022-10-02
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: Account information incorrect

Complaint:
the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active XXXX XX/XX/XXXX, on Experian it says XX/XX/XXXX and XXXX XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS 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 2020-09-24
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020, I disputed a collection debt from IC Systems that appears on my credit reports with XXXX  and XXXX. Sadly, each credit reporting agency reported the result of their disputes was that they verified the debt as being mine and the collection would remain listed on each of my credit reports with XXXX  and XXXX. 
On XX/XX/2020, I called IC System to discuss the debt/collection they claim I owe, and I was told that the original claimant, XXXX had recalled their claim with IC System and that IC System had notified each credit reporting agency, XXXX  and XXXX  to remove the debt from my credit reports and that according to IC System records, the debt was to be removed from each report no later than Wednesday, XX/XX/2020. The collection/debt was removed from the XXXX  credit report as advised, however, XXXX  still had the false collection/debt appearing on my credit report and I am not allowed to dispute it again with XXXX  because I recently disputed it and they claim to have verified the debt. Id appreciate any assistance you may be able to provide in having XXXX  remove the false debt/collection with IC System for {$290.00}, as soon as possible as the decrease in my credit score is  hindering my ability to achieve an auto loan with a decent APR.

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 2019-03-26
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received an alert from a credit monitoring company I pay notifying me That XXXX XXXX had placed a derogatory account on my XXXX credit report XX/XX/XXXX, which in turn reduced my credit score significantly. 
I never received any written communication from XXXX XXXX, and never received any phone call from XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and spoke with XXXX, who notified me this account was for " XXXX XXXX '' and was in my maiden name. My account with XXXX XXXX was closed in XXXX, I filed Chapter XXXX Bankruptcy in XXXX which was closed XX/XX/XXXX, and this debt was included with my bankruptcy case # XXXX. At some point in either XXXX or XXXX I was contacted by a XXXX XXXX regarding this debt and let them know at that time this debt was included in my bankruptcy and I was told that the collection company made an error and they would remove this account from their system. Here we are 8 years later and XXXX XXXX and XXXX XXXX are still trying to collect on a debt not owed. XXXX at XXXX XXXX said she would remove the reporting from my credit report and update my account with them, however the damage is already done to my credit score due to XXXX XXXX 's erroneous reporting. In addition their collection practices are inept, I was never notified about this debt prior to them reporting it to my credit, and never given the opportunity to dispute prior to XXXX reporting it to 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 2023-12-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX, I received an email from NFCU, alerting me to an unsuccessful external account registration attempt. Subsequently, upon checking my NFCU checking account ( Acct. # XXXX ), I discovered a significant reduction in my balance by {$9800.00}, attributed to unauthorized ACH transfers on the following dates : XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} I promptly reported the fraudulent transfers to NFCU at my local branch in XXXX, CA, where a customer service representative initiated a case with the fraud department. Concerned about the urgency, I emphasized the need for immediate reversal, especially given that the last two transfers occurred only one day prior. The representative assured me that my account would be closed and replaced while the fraud department investigates. 
Despite my efforts and cooperation, a letter dated XX/XX/XXXX from NFCU denied my claim, holding me responsible for the full amount. The denial lacked details or additional information. Following their advice, I submitted an NFCU Security Appeal form on XX/XX/XXXX, including information about the XXXX XXXX breach affecting me in XXXX, along with a police report ( Report # XXXX ) filed in XXXX XXXX XXXX 
However, my appeal was subsequently denied due to " lacking new information. '' Despite my pleas, NFCU refused to provide essential details about the transactions, stating they require a subpoena. Unfortunately, obtaining a subpoena is challenging, as NFCU 's headquarters is not in my state, and local authorities claim limited jurisdiction. 
Feeling left in the dark about the situation, I am seeking assistance to compel NFCU 's cooperation, potentially through filing a complaint. I urgently request your support in resolving this matter and appreciate your prompt attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-07
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, we were balancing our XXXX statement and saw a charge that was fraudulent. This charge was for the amount of {$1200.00} as an XXXX withdrawal from XXXX on XX/XX/2023. We immediately advised our bank who advised that they would look into and open up a dispute. 

Mountain America Credit Union advised us that due to their XXXX  rules and policies, they would not be able to refund us the monies as they had a TRACE ID that connected the charge to XXXX and we would need to consult XXXX for the refund of monies. 

We contacted XXXX who advised that the charge did not come from them of which they provided us additional documentation stating such and advised us that we would have to open up case with Mountain America Credit Union. We provided the documentation directly to Mountain America Credit Union and they advised that they would not do anything for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
It looks like PayPal is still doing it. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-paypal-for-illegally-signing-up-consumers-for-unwanted-online-credit/ I was automatically billed for a service I did not remember signing up for automatic and thought I was just doing a one year payment one time and did not have the funds available in the account which I gave to PayPal and they told me over the phone they fronted the money. 

I also never remember signing up or clicking anything that allowed PayPal to be my creditor. I did a search and found that article and decided to add my testimony that this is still a problem. PayPal told me they are just a processor and when I asked then what bank paid the merchant they then switched back to saying PayPal fronts the money so you do not have to wait 3-5 business days and I informed them with a notice of trespass that we as Americans must give written consent to act as a creditor and that I have no problem waiting until my funds clear so there is no excuse for signing me up to a system where they give money away in my name. 

If I had not got a refund from the merchant then I would have been out {$180.00} because of PayPal negligence. I got them their money back so they would stop attempting to charge my account. 

Obviously they need to be taught a lesson again since this company is still doing this. I did not expect there to have already been action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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 the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name XXXX XXXX XXXX XXXX  Acct # XXXX Name : XXXX XXXX  Acct # XXXX Name : XXXX XXXX  Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.

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 2022-01-01
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Followed AMEX directives and tried to resolve goods not received instances with the company in question. I've had a subscription with them for years but they stopped sending in XXXX of this year. I've been trying to resolve since XXXX but tried to give them time to resolve the issues when they just stopped responding to me. Then contacted AMEX as a last resort believing that they help and cover their customers ( and have seen them do so in the past, for example, refunding a co-worker of mine for accidentally booking travel insurance and other charges for an entire YEAR ). Apparently, they only do that for certain customers because I was told that I should have disputed immediately - that my charges were too old and that they could only dispute 60 days worth. I mean - WHAT???? They literally just allowed me to be scammed by telling me when I first tried to open a dispute to resolve it with the company. THEN, when I do that, suddenly my charges are too old to dispute through them. No one told me that, they literally created the situation by telling me to resolve it with the company first. I didn't even have any reason to think the company would do this since I have been receiving a subscription from them since 2014. Zero customer service, zero reliability, AND AMEX scammed me by stating that you need to resolve with the company when you try to open a dispute on your account. NO WHERE does it say there is a time limit for opening this dispute, just that you need to go resolve it with them first. That is the scam!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-15
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 submitted a letter to the Transunion XX/XX/2022 to update this doubtful information. I think you have not authenticated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

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 2023-05-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I applied for a Chase Marriott XXXX XXXX credit card on XX/XX/XXXX and was denied due to them saying I have " too many open accounts '' and now have a negative mark on my credit report. The representative XXXX on the line said it was due to their " XX/XX/XXXX rule '' and was not denied for other reasons as I have near perfect credit and a high income so I am a safe bet for lenders. She said that I can keep applying for other Chase cards but they will all be denied. How can consumers know what cards they are eligible to apply for and not eligible due to this " rule '' for if Chase does not publicly share this info before applying? I had no idea about this rule as it was not publicly posted anywhere around the card details at all and which cards. 

This feels like a deceptive practice by Chase in order to attain more applications and withholding from the public this arbitrary rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit inquiries on my I don't recognize

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 2023-12-14
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: Their investigation did not fix an error on your report

Complaint:
Subject : Formal Complaint Against Trans Union for FDCPA Violation by XXXX XXXX XXXX XXXX I am writing to file a formal complaint against Trans Union for its involvement in a violation of the Fair Debt Collection Practices Act ( FDCPA ) by allowing a collection account to report on my credit file. The collection agency involved is XXXX XXXX XXXX XXXX. 

I recently discovered an adverse entry on my credit report attributed to XXXX XXXX XXXX XXXX. Notably, I have never received a debt validation letter from this collection agency, and I am entirely unfamiliar with the debt in question. This absence of validation, as required by the FDCPA, raises serious concerns about the accuracy and legality of the reported information. 

Details of the Complaint : Violation of FDCPA : XXXX XXXX XXXX XXXX has failed to provide the mandated debt validation letter within the stipulated five-day period, as required by the Fair Debt Collection Practices Act. 

Unfamiliar Debt : I am completely unaware of the debt being reported by XXXX XXXX XXXX XXXX. The lack of a debt validation letter has left me uninformed about the nature and legitimacy of this alleged debt. 

Inclusion of Unvalidated Debt on Credit Report : Trans Union, as a credit reporting agency, has included this unvalidated debt in my credit report. This inclusion is not only inaccurate but also potentially damaging to my creditworthiness. 


I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure compliance with the FDCPA and to rectify any inaccuracies in my credit report promptly. 

Thank you for your attention to this matter, and I look forward to a swift resolution.

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 2022-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello I am having a problem that shouldn't be occurring. 

I lost my password to my online banking. 
I wanted to reset it seems simple. Will my bank at Wells Fargo requires I have a cell phone to do business with them. 

It means I need to receive a code on a cell to verify identity no other way. 

So I told them so I have to have the expense of a cell phone and pay for the text just to do business with 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