BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX the account was charged an overdraft fee when not overdrafted. The account was at {$16.00} AFTER a {$36.00} overdraft fee was charged. The next day the account was charged another overdraft fee after a different purchase put the account in the negative because of the fees. There was a deposit of {$370.00} that put the account back in the positive. 

On XX/XX/XXXX, the account was hit with 5 overdraft fees for {$180.00}. The account after the purchases were made was at {$130.00} and only went negative because of the excessive fees. The account was then at - {$50.00}. I transferred {$300.00}, which did not post until the XXXX. 2 more overdraft fees were incurred on the XXXX. The account is currently negative at - {$130.00} because of {$320.00} of overdraft fees. At most, the account should have been charged 1 overdraft fee on XXXX but that also would not have happened if not for 2 dubious overdraft fees on the XXXX and XXXX. 

I have contacted the company and filed a complaint with XXXX as this is the 2nd time the company has appeared to use creative accounting to maximize fees.

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 2023-08-01
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to appeal the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I believe that this limitation is a result of a mistake and that my account has been wrongfully restricted. I assure you that I have always complied with PayPal 's policies and have not engaged in any activities that violate your terms of service. 

I am kindly requesting PayPal to re-investigate my case thoroughly and with utmost attention. I have been a loyal PayPal user and this account has been an essential tool for both personal and business transactions. The limitation has caused significant inconvenience and disruption to my financial activities, and I sincerely hope for a fair resolution. 

I understand the importance of maintaining a secure and trustworthy platform for all users, and I support PayPal 's efforts to combat fraud and unauthorized transactions. However, I am confident that there has been an error in this specific case, and I kindly ask that you grant me the opportunity to demonstrate my compliance with all PayPal policies. 

I kindly urge PayPal to reconsider the decision and to restore my account to its full functionality if your review finds no evidence of any policy violations. I assure you that I will continue to adhere to all the rules and regulations set forth by PayPal and conduct my activities in accordance with your policies. 

I greatly appreciate your time and attention to this matter and look forward to a positive resolution. If you require any additional information or clarification, please do not hesitate to contact me at the email address provided in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
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 violated protected consumer rights to privacy and confidentiality I have cleared all accounts in the XXXX month. It's showing due amounts

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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of fraud ; my checking account was fraudulently invaded by a group who identified themselves as part of " XXXX, '' and my membership was to be charged approx, {$340.00}. 

I immediately called the number to get that amount reversed ... that when the fraud began, I was asked to fill out a form that would solve the problem ; he assured me there would be no problem... was filled out by the " finance officer '' I spoke with filled out the online return, and I was asked by the so-called " finance officer to very the form... it got to the point of refund, and I immediately noticed the error, he directed me to check my account which I did, and the amount of {$54000.00} showed in my balance ... from trying to correct a {$350.00} refund turned into {$54000.00} return, which immediately made the {$350.00} refund a moot point for a minute. That started the fraud in motion. I was robbed of a substantial amount of XXXX, figure amount to be exact. I have documentation and proof of what happened ... this was a severe blow on my behalf I would like to see Chase bear some of this ... as of this date, other than a case number opened, I haven't heard a comment from their fraud because ... filed with Chase XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Someone tried to purchase a car loan in my name and it was not me.they tried over ten dealerships, banks, and financial institutions all was not authorized by me. All have hard inquiries that have affected my credit in a negative way.

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 2023-01-25
Company: ALLY FINANCIAL 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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
ALLY FINCL/ALLY FINANCIAL INC. XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my Transunion, XXXX and XXXX credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: TN
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 was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. Experian, XXXX, and XXXX are reporting fraudulent information.

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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: TX
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 XX/XX/22 my debit card account was charged for XXXX. On XX/XX/22 my debit card account was charged for XXXX. I contacted Chase Bank to let them know that the charges were fraudulent. Initially the cards were closed and the money was refunded. Then, on XX/XX/22 I noticed that the charge for XXXX was back. I contacted Chase Bank on XX/XX/22 and spoke with two individuals one stated that she was the supervisor. She stated that after completing an investigation the charges were deemed valid because XXXX sent documentation stating that my phone number and email address were provided and verified. My XXXX account was hacked by someone so of course they could provide that information. Chase Bank failed to properly investigate the fraudulent charges. I have never been to the state where the XXXX rides were ordered. I also have never given anyone my banking or XXXX account information. The supervisor stated that nothing could be done and that I needed to contact XXXX. I have tried contacting them multiple times with no response. I have filed a complaint against XXXX with the XXXX. IT was Chase 's responsibility to thoroughly investigate and they failed to do so. If they would have done so, it would have been proven that the charges are fraudulent. I closed both of my Chase accounts today on XX/XX/22. However, I would like a refund for the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
USAA froze our credit card and refused to unlock it. We spent over 40 hours on the phone trying to fix the issue. They could not identify or fix the issue. We can not use our cards. They also canceled my husbands debit card by accident ( which they have admitted ). We have no way of getting money out or paying for anything. USAA advertised they serve overseas personnel, which is a major reason person utilize their services. But help is only available US central time. Representatives working off hours do not have the authority to help or trouble shoot issues. False advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2018-08-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 received a court citation and I have no idea why, my name is wrong on the letter and I have to appear tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After looking over my credit report and notifing theCredit bureaus of unaurthorize inquires on my report I contacted XXXX, TransUnion and XXXX. I explained that these inquires were not of my knowledge, nor doing and ask to have removed. Bureaus did not help with my situation. After learning that some companies practice bad financial practices by running crdeit multiple time through multiple channels, and without the consent from me, a consumer endures significant damages to their credit. Under the FCRA 15 U.S.C. 1681 there should be not be any damages on your credit report. It's a defamation to your character.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-29
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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 2023-12-28
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 is missing that should be on the report

Complaint:
Id like to start off by making it very clear that I have attempted to resolve this matter with XXXX Bank directly for over a year or longer. I've spent countless hours a week calling in to speak with the correct department in regards to my account not being accurately reported to all three credit bureaus. As a consumer with a positive account history, XXXX XXXX  not reporting to Transunion has and is still impacting my credit report as well as credit score. Both XXXX and XXXX show accurate reporting, however, XXXX XXXX  continues to deny the issue at hand. XXXX XXXX  requested I print and mail in my credit report along with a letter explaining the inaccurate credit reporting and compliant, notarized as well. From that request, I took the time, effort, money to print over XXXX pages then mail it in into the Correspondence address they provided. Fast forward to last month and XXXX XXXX  mails me a letter stating they did an investigation and Transunion would be responsible. Obviously this is an obscene response to a consumer who literally did everything requested of her by the credit card company to rectify the issue. XXXX XXXX  reviewed my Transunion credit report very clearly showing no record of the account, ever. Now they are requesting I send in another credit report a month later so they can open an investigation, mind you, the last investigation resulted in no accountability. At this moment, I am requesting that XXXX XXXX reports to Transunion Credit Bureau. This account is over XXXX years old and there is no excuse as to why XXXX Bank refuses to report to all three bureaus when they state they are committed to that. Please help me rectify this issue as any time I call in ( once a week for over a year straight ) they transfer me a few times, request the entire process to start over, or simply blame Transunion.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-09-01
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX  XXXX, XXXX XXXXXXXX

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