BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX of XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with TransUnion file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.

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 2021-09-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

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 2022-03-24
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, I mailed a check to Citi deposit department to deposit a check of XXXX from my XXXX  account. XX/XX/2022, the check was not cashed and I called Citi. Citi agents told me they did not receive my check, so I requested them to close my account. XX/XX/2022, the check was posted from my XXXX account and the transaction date was XX/XX/2022. I called Citi and asked where is my XXXX. They told me my account was closed on XX/XX/2022, so the check was not processed successfully and suggested me asking XXXX where is the money. I called XXXX on XX/XX/2022 and went to XXXX branch on XX/XX/2022, I was provided the document that money was cleared and released to Citi bank. I kept calling Citi from XXXX asking for the money. I was told my check was never deposited successfully. I got a statement on XX/XX/2022 dated XXXX, with XXXX balance and no transaction. I recoreded XXXX of the agents names I talked to XXXX, XXXX id # XXXX, Ref # XXXX, and XXXX claim # 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 2018-08-21
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
This is being sent in response to notices sent to me from " XXXX XXXX XXXX " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2522per the FTCs recommendation I reported multiple fraudulent transactions occurring on XXXX credit cards to Chase Bank. The FTC ruled them fraudulent since the company involving the transactions is a scam and stole copyrighted source code and used that code to build their program and sell it as their own. Chase canceled the cards and placed temporary refunds on each account. They said they would investigate and contact us with their decision. On XXXX and XX/XX/22 respectively they reversed the refunds with no explanation and I have yet to receive any updates as to their decision on the investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi there. I hope it is not too late to file the complaint. 
The SSA issued my benefits in a Direct Express card. My card was stolen after an ATM withdrawal and several unauthorized transactions were made.

Most were done as credit or cash purchases not requiring my PIN. 
I alerted Direct Express and they said they would look into the situation and investigate the fraud-including reviewing security cameras at XXXX XXXX were most were done. 
In the meantime Direct Express issued me a provisional credit. However, XXXX  did not investigate and after many attempts to resolve their inaction they took back the credit. 
Please see attachments for the charges-including a charge to a wig store-Im a male and dont wear wigs! lol Also I do not eat at XXXX. Thanks very much for your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of/items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I called in to speak to a rep and see why 2 collections accounts had not been removed from my credit report, although the company had requested the removal of those accounts TWICE. The rep told me that the accounts had been verified and would stay on my credit report for 7 years. I explained the situation to the rep regarding what I was told about the debts needing to be manually deleted, and the rep refused. I even tried to offer the control numbers given to me by the company and the rep refused them stating the company had to send them something in writing, which they did, TWICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested XX/XX/18, and XX/XX/XXXX to get copies of documents to confirm to verify account. After speaking with XXXX on both days I was informed will get the file pulled. As of today XX/XX/18 I have spoken to Manager XXXX and again they will pull the file and give us a call. This account I was told was sold it was original Regional in the amount of {$610.00}. XXXX XXXX shows an amount of {$580.00}. Please assist with getting the required documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2017-11-21
Company: Ditech Financial LLC
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:
Ditech Financial LLC, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted Ditech on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to Ditech Financial. On XX/XX/XXXX I was contacted by Ditech Financial by a  representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that Ditech Financial had reported my account as Deliquent 30, 60, or 90 ...
Now my Credit Score went from XXXX to XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Caliber Home Loans, Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am trying to sale my house and have asked my mortgage company for a payoff several times. They have sent a payoff with no amounts generated. They said this happened because we needed to pay our mortgage. So we did. Still the same thing. No good to date and everything except the principal balance says XXXX balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: NY
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:
When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. CREDIT AGENCY is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX  {$2000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX/XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX/XXXX  XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX/XXXX. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I bought an XXXX from XXXX XXXX  using paypal and the phone turned out to be stolen so I returned the phone back but I never got the money back. It's been a while and now I'm filing a complaint here so we can get this fixed asap. Thank you and have a great day. Transaction ID is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 actXXXX XXXX XXXX XXXX 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 2022-03-24
Company: EQUIFAX, 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:
I previously filed a complaint related to Equifax reporting inaccurate information on my credit report. 
The most recent errors involve XXXX creditors XXXX XXXX XXXX  and XXXX XXXX fed credit union accounts reporting without the closing dates. Due to these creditors showing as open and not closed, the accounts are negatively impacting my ability to secure housing and new credit. 

Most recently, XXXX XXXX XXXX updated me with the correct reporting information via letter. I submitted that letter to Equifax and they opened another dispute and investigation. After XXXX investigation they updated me that the account should be opened according to XXXX XXXX XXXX. How is this possible! I provided Equifax a letter from XXXX stating how the account t should be reporting and that Equifax was the source of the error NOT XXXX XXXX XXXX. 
Equifax has been extremely unhelpful to me as a consumer and I am seeking legal counsel for guidance to hold Equifax accountable for their lack of assistance in correcting and reporting accurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 had a credit score of XXXX in XX/XX/2022. But within a 24 hour period, my score dropped XXXX points for no reason. I did not apply for new credit. I did not make any large purchases with a credit card. I have not missed, or made any late payments. And I did not pay off any loans or close any accounts in recent months. Transunion has not been able to provide an explanation, and closed their so-called investigation into the matter within one business day. The only action taken by the agency was providing me with a copy of my report, which I already had in hand. Nothing changed on my report. Transunion failed to conduct a proper investigation, and refused to provide any explanation for the sudden drop in my credit score. I need a resolution in this matter before seeking legal assistance. I want Transunion to correct the erroneous information on my report.

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 2022-02-15
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. 
Company name : XXXX XXXX account was with XXXX balance last updated on XX/XX/XXXX. 
Company name : XXXXXXXX XXXX XXXX account balance is {$570.00}, last updated on XX/XX/XXXX. 
Company name : XXXX XXXX with an account balance of {$1400.00}, last updated on XX/XX/XXXX. 
I disputed these items for lack of accuracy added to my account, and it negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made an order of 3 items from XXXX and used Afterpay to purchase those items on XX/XX/2023. I canceled those items within a few hours of ordering but only two items got canceled and refunded. The third item got shipped and delivery was refused so it was returned to the warehouse in California. I spoke with a supervisor on XX/XX/2023 from XXXX who confirmed she would have the item sent back to their warehouse and I would be issued a refund as soon as they received the item. The item was received in their warehouse on XX/XX/2023 and one of XXXX 's employees signed for it. I haven't received a refund of the {$230.00} that I am owed as of yet. XXXX says they can not help me because this is something Afterpay has to resolve. I have started several cases with Afterpay and no one has been able to help me with this. It has been over a month, actually almost two months. A representative at XXXX said that once I started a case with Afterpay, when I confirmed the item was being returned, it basically blocked them from doing anything with my account on their end. They said Afterpay has my money and there is nothing XXXX can do to help me. 

My purchase total was : {$460.00} for XXXX items. 

I got refunded for two items : {$200.00} + {$22.00} The third item got returned to the XXXX warehouse but I have been charged for that item. I am still due a refund of {$230.00}! 

I have used many company 's that are for this same purpose and have never had this same issue. This was the first time using Afterpay and I will never use them again.

Company response to consumer: Closed with monetary relief