BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2023-11-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The card doesn't work in any common online vendors such as XXXX, XXXX, and XXXX. A XXXX cent processing fee still appeared to have gone through but the card was rejected regardless. American Express website won't display the balance of my card unless I click on the original gift card link sent to me from my company. 

This should be considered a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: Collection Receivables, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I enrolled for a one-month personal training program at XXXXXXXX XXXX XXXXXXXX and paid for the month in advance. However, they contacted me insisting that I signed up for a XXXX package, which I never agreed to. Despite my attempts to dispute this with the company, they refused to listen and sent the supposed debt of {$2400.00} to collections. Unfortunately, the collections agency has been unresponsive to my dispute and has resorted to harassing me through phone calls and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My small business made a payroll and our controller received a fraud email from a Chase Bank account holder and our employees payroll in the amount of {$6000.00} was sent to the fraud account at Chase. We alerted our bank XXXX XXXX XXXX XXXX XXXX XXXX and we also went to Chase and had Chase pull up the account information for the Fraud account and Chase acknowledged our deposit. They said they will return the deposit and asked us to go back to our bank XXXX XXXX XXXX XXXX XXXX XXXX and file a dispute which we did. The dispute was accepted but because our payroll goes through the XXXX system it was held up and has not been returned to us. XXXX from XXXX is frustrated as we are because no one at Chase will help her or us. The contacts at the Chase branch we visited have tried to help but we are at a dead end They referred us to a branch problem resolution center to try and get our funds returned but they tell us they can do nothing. We are getting the complete run around and so frustrated so hope you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have tried to contact this company on several occasions and still have not got anywhere at all. I have paid the vehicle in full and the car was never repossessed and it is reporting as such. I have sent in several letters and proof showing the loan has been paid in full and have not received a call or response from the company or the credit bureaus regarding this matter. I have sent correspondence on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was paid in full to Dovenmuehle in XX/XX/XXXX and they stated the cut the escrow refund check XX/XX/XXXX and mailed it the same day. After waiting a couple of weeks, I called and let them know that I had not received the check and they informed me that I would need to wait for a for 30 days to call and request another text to be cut. I called back on XX/XX/XXXX to do this and I inquired with a customer service rep about my unit number being on the mailing address. She said that it wasnt noted, took my unit number down and said she added it and I should receive my new check no later than 15 business days.

It is now business day 17 and again I have not received the check. I called them again to confirm and ask if they had a tracking number or could send me proof that the actual check was cut and they kept telling me that there was nothing they can do once the check has been mailed except to wait 30 days and repeat the process of canceling the previous check and issuing another one. This is about to be the third time Im calling to request my escrow refund check and it has been almost 3 months since XXXX XXXX XXXX has paid them in full. They had no issue accepting the {$200000.00} plus pay off check from my new mortgage servicer however when the time comes to issue me my {$2000.00} refund check, they are giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: STERLING JEWELERS, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: GA
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am submitting this complaint because Bank of America has issued a false report to something called XXXX XXXX XXXX. I had no knowledge of any fraudulent activity nor have I indulged in such activity. I actually drove to the state of Florida to get this resolved because there is no Bank of America in XXXX, Al. I went in to make a deposit into an open account only to find that they would keep my {$500.00} deposit until they investigated if I owed them any funds and if I did not then they would release the hold on my account and send myself a paper check because that particular account had to be forced closed. I attempted to open a new account at XXXX XXXX only then did I find out that due to Bank of America placing me in the system with some type of fraud alert attached to with my name and social, I can not open an account anywhere. I received my {$500.00} paper check from them about a week later and they still never lifted the report. I have been deprived for almost a year of opening a real account with any bank. I would like for this to be removed if you all will be able to help me in any way ... Thanks

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 ; D XXXX XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Affirm Holdings, Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Affirm before my due date on XX/XX/XXXX and they told me to apply for the hardship program. 
I have tried applying numerous times, which they said they could see, but their website and app keeps timing out and making it impossible to submit anything for their hardship program. 
This was elevated to some kind of customer service on XXXX and they said it would take XXXX business days. 
When I didnt hear anything by the XXXX, I emailed them again. They have not responded back and its now XX/XX/XXXX. I feel that they are purposely ignoring my requests and theyre collecting late payment fees onto my account and now Im XXXX  days past due and getting closer to them reporting to the credit bureaus that Im late when Ive been asking for their help for over XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: FISERV INC.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had some check free bill pays to 3 credit cards rejected by XXXX XXXX without notice. I contacted check free bill pay on XX/XX/2020 and they were very helpful and found 52 bill pays rejected and returned by XXXX XXXX ranging from {$1900.00} to {$2400.00}. These are not in question by CFBP, they were forthcoming in disclosing these. I have bill pay payment dates and amounts on 3 credit cards that were returned to CFBP and are in their system as such. 

However, CFBP wants me to go to XXXX, where the payments were made, and wait while XXXX processes these 1 at a time. I am a XXXX yr old male who had a XXXX XXXX 1 yr ago and under the circumstances i find it to be a very dangerous idea. 

Can you please have CFBP issue me a lump sum check for the funds they have that were returned by XXXX XXXX? 

Thanks, if you need the account numbers please let me know XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX, I took advantage of the Promotional Offer on my credit card from Bank of America. The offer said " Save big your way '' in large print at the top. It provided a variety of examples of how you could use the funds : you could consolidate debt ; repair your car ; funded planned or unplanned expenses ; improve your home ; pay individuals. 

There were 2 checks provided to take advantage of the offer. Check # XXXX ( Offer XXXX ), which I used, offered 0 % interest until XX/XX/XXXX. Check # XXXX ( Offer XXXX ) offered 1.99 % interest until XX/XX/XXXX. 

Each option included " A 4 % fee applies to each transaction, {$10.00} min. '' So, using Check # XXXX, I wrote and deposited the check for {$26000.00} to my checking account. I needed the funds for a number of the purposes they listed, and others, so writing one large check was way more practical. 

I set up automatic payments of {$500.00} per month and paid off the balance in XX/XX/XXXX. In the payoff process, I discovered that they had charged me {$1000.00} for the transaction fee and {$3300.00} in interest during those 10 months. 17 % in 10 months, rather than 0 % for a year. 

When I called to clear up the problem, I talked with several people and sent a copy of the promotion. After about a week, they pointed to the very finest print at the bottom of the page which states " Direct deposits or Checks made payable to self of cash are not eligible for these offers. '' This seems highly deceptive and I was disappointed in their response, especially since I've been with their bank, or predecessor XXXX XXXX, for 41 years. Maybe its time to find new bank. 

" Save big your way. '' in bold print at the top. Small print exception at the bottom. Is this a good way to do business? 

Thanks for your time. I would like to send a copy of the promotion if possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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'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 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: EQUIFAX, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following accounts are incorrect and they adversely affecting my livelihood ) 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 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