BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-09-13
Company: Upgrade, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$4000.00} to my upgrade account using my XXXX  XXXX XXXX checking account. I woke up this morning and it was pulled from an unverified account XXXX XXXX  on my account. How is this possible if I was told by XXXX in the customer advocacy team I cant make payments using that account until I sent a statement of recent use and it even shows unverified the account. This caused problems with my checking account. I called XXXX and the representative XXXX was nasty like always. When I had an open case before I got her and asked to switch which is how I got XXXX because of how nasty she is. Today she refused to help me or even pass my information to XXXX or let me speak to her manager XXXX. The service with this company is a disgrace. It became a joke to XXXX when I kept calling back to ask for her supervisor and she kept allowing the call to escalate instead of trying to deescalate it. I even advised her XXXX told me to give her a call back if there was any problems with this issue. XXXX advised me to put this complaint in and I shouldnt be talking to that department. Unreal how rude and belligerent she was. I told her if she wasnt happy at her job she should get a new one. I find it hard to believe she is the front line in a sensitive department like that!!! I would like a call back asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XX/XX/XXXX I had a Wachovia Bank Account. On a Friday that I moved, I gave the mover a post dated check and asked him to deposit it on Tuesday, as I had a lot of ATM transactions over the weekend and I would make a deposit on Monday. 

He cashed the check on Monday and because the bank withdrew the check first, they charged me about 10 overdraft fees for {$35.00} each. The check was post dated and it was cashed prior to that date. 

Now, 10 years later, I find out that the debt was sold and now they're after me. 

I am in hardship. I was in a shelter in XX/XX/XXXX and XX/XX/XXXX and I have not been able to find work. The little money that I make I give to my daughter who is allowing me to live with her. 

At the time that this occurred my daughter had just turned XXXX. I was a single parent her entire life. Her little life depended upon me. It prevented me from buying food and clothing for her and limited my ability to help her get off to college in NC. 
Also, I did not have a checking account until XX/XX/XXXX-XX/XX/XXXX because of this. I had to use greendot, etc. 

The bundling of fees is not okay. Additionly, I was a customer since XX/XX/XXXX and at several different points had over XXXX in the account and they were always charging me overdraft fees instead of taking the money out of the savings. This was an ongoing problem and I never disputed it, but rather paid it. 

I can not tell you how deeply devastating this was to me. I actually ruined my entire life!

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 2023-12-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX, XX/XX/XXXX, I made a cash deposit of {$1000.00} to Chase Bank. I also cancelled a transfer to XXXX XXXX XXXX from that account as it was no longer needed. To have additional security on my account, I locked both my Chase Credit and Chase Checking account. At XXXX, I called Chase customer service as I noticed that I was charged a service fee of {$12.00} in XXXX and XXXX. I was hoping to get clarity on the situation and hopefully a reversal, unfortunately that was not the case. 
At XXXX, I called a service representative in which I was told they would transfer me to customer service. Upon doing so the customer service representative stated that she noticed that I had an account with Chase Checking which was closed in XX/XX/XXXX. I explained to her that it was a new account and I attempted to transfer funds to an existing account to the Chase account. I also expressed that the account was abruptly closed and I received no insight on the matter then. She then stated she would transfer me to another department to help with the service fee issue but instead, I was hung up on after being on hold for an extended period of time. 
I called another customer service representative at XXXX regarding the issue but I was told that I should call customer service Monday as they are closed. I then tried to access my Online Chase Banking account but to no avail as I was met with this message, We locked your account due to unusual activity. 
Call us to unlock it. If you're a commercial client, reach out to your servicing team. 
Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. I called another customer representative to see what was going on and I was informed that Chase no longer wants to continue a relationship with me and that my funds are to the discretion of the bank teller. As my Chase credit card account is connected to my Chase online banking, I called their customer service number to inquire about what can be done with that account. I was informed once again that I can not be provided with a reason why my Chase checking account was closed and that my funds are at the discretion of the bank teller. When I then asked to close my Chase credit account as I feel there is no security with them, the representative stated I can close it on the phone and then hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 2019-03-29
Company: Law Offices Howard Lee Schiff, P.C.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2019 they went into a bank account owned by me and took out money that my separated spouse owed in the amount of {$1600.00}. I have proved that the bank account was mine and he had no money going into the account and they are not willing to help me. I have spoke with them three times and told them he was on my bank account for our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
ACCOUNT DELETED ALREADY FROM XXXX BANK COULD NOT PROVE THE ACCOUNT WAS MINE AND IT SHOULD BE DELETED FROM XXXX AND TRANSUNION XXXX XXXXXXXX XXXX XXXX with account XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX 2XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Please be advised that TRADE : XXXX XXXX is not reporting on your credit file. A letter outlining our findings was also mailed to the address on file. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, trans union, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX ACCT # XXXX & ACCT # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 USC 1605 states that the finance charge is the sum of all charge, no such thing as late payment, REPORTING DELIQUENT/NOT FACTUAL 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose REPORTING DELIQUENT/NOT FACTUAL 15 USC 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt 15 U.S. Code 1692b ( a ) ( 2 ) Failure to do a proper investigation, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall bot state that such consumer owes any debt, 15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer w/a written request or through mail ( failed to do so ) 15 U.S. Code 1681d ( a ) ( 4 ) no consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer

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 2022-03-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the discover account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my discover account and remove the comments asap. the discover account number should be ending 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 2023-11-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX XXXX XXXX XXXX, who used Comenity as their bank provider. I received my first invoice in XX/XX/XXXX and paid it in full and on time on XX/XX/XXXX using a standard personal check. Comenity has accepted the funds and has not recorded it as paid. Now they are calling me several times a day. I provided Comenity written proof from XXXX XXXX and mailed it to the address they requested over a month ago and the calls are still coming in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax change my credit report to XXXX XXXX an don't provide no credit score went from XXXX until anything givings me problem to uptain credit I requested my credit score should be placed at good standard conditions XXXX or XXXX do false information that stop me from receiving credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Colony Brands, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a XXXX XXXX XXXX  XXXX  statement in the mail that I never applied for. There was a charge for {$150.00}. This account was not opened by me on XX/XX/2022 for a purchase I never made. I called the operator number XXXX listed on the statement to protest this account being opened in my name and the operator told me that my phone number is not on file. She asked me for my phone number and I gave it to her but I think that was a mistake. She said that it was a fraudulent account and that she would send me a form in the mail from the company to fill out to contest the fraud. I am waiting for that letter but I am not confident that this is a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2019-11-05
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 victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX Sq XXXX XXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the XXXX XXXX, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have spent most of the day trying to close my Paypal account. Paypal will not close my account because they say I must close my Paypal credit account. Which I have.closed. Paypal and Paypal credit are two different accounts..After a bunch of attemps with paypal chat, the chat person keeps telling me to ask Paypal credit what the problem is.I even copied and pasted a copy of my Paypal credit account page at thie Paypal credit web site that says my account is closed.They contiue to refer me back to Paypal credit. I want to have both accounts closed. I have closed the Paypal credit account and now want to close the Paypal account. Paypal has thus far refused to close my Paypal account. How do I get the Paypal account closed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion displays innacurrate employer information on report. I do not work for XXXX XXXX I work for 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 2023-10-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief