BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reported this problem back in XXXX over 60 days to Transunion and XXXX  and still have not received a response back yet. The problem I am having is on my Transunion and XXXX  credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XXXX  report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XXXX is the correct account that shows accurate information. I would like to update Transunion and XXXX  to match my XXXX  payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match 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 2021-11-23
Company: ALLY FINANCIAL INC.
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Ally Bank did not protect me fraud. 
My friend 's financial advisors instagram was hacked and they tricked my friend into thinking her XXXX app had more money in it do to an investment. The hackers pretending to be her financial advisor then asked her to make a video of how amazing she is as a financial advisor. Immediately after my friend posted the video the hackers took over her account. The hackers took advantage of the the conversations they now had access too and many of us sent the money via XXXX. 
I contacted Ally Bank, as soon as, I found out assured me it would be okay. They told me it would take up to 10 business days, provisionary credit of {$2000.00} back into my account and told me to wait. I expressed I was concerned over the wait period because of the fraud situation and they assured me this is the process and I shouldn't worry. 

After no commutation for a couple weeks {$2000.00} was withdrawn from my savings account. I called immediately and was passed from person to person for about two hours. The notification was in a " Notices '' tab in an odd spot under my profile and settings tab, would have never known to check their if they didn't tell me. 

The notice stated " The disputed transaction was completed with a merchant with whom you have an established relationship. '' The reps on the phone said this was because I made the transaction on the app that I had made many transactions from. This makes no sense and the broad statement of the notice does not align with the issue of fraud. 

I was met with vague answers on why this conclusion was reached, that there is nothing more they can do once the conclusion is reached. 

The forms they sent me to fill out did not align with my situation. I tried to express this to customer service reps multiple times. When the disputes rep called me I felt like she was confused and not fully listening to my statement. She kept asking me who I wanted to send money to, I kept responding that it was fraud. The notes kept on my claim were not accurate. The last rep I spoke with told me what was relayed on to XXXX as the issue, I said that was inaccurate and he said " they got the general gist. '' Three different customer service reps were confused my the comments being kept and even said the forms and their process is not equipped to handle fraud situations like mine. 

This is simply unacceptable. It is not Ally Bank 's fault I was a victim of fraud, however it is their job to protect their customers and to handle claims of fraud seriously and accurately.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From XXXX, Transunion XXXX XXXX. Its very Concerning that theyve Failed to Notify me within ( XXXX ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From XXXX, Transunion XXXX XXXX Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I cancelled my home monitoring service with XXXX. The account was prepaid a month in advance. 

In XX/XX/XXXX, XXXX contacted me about a refund check that they issued but was uncashed because I never received it. XXXX then re-issued a refund check to replace one that I never received to compensate me for the remainder of the month not used when I moved. 

In XX/XX/XXXX, I cashed the check for {$46.00} On XX/XX/XXXX, I received a collection letter from Credit Collection Services XXXX XXXX, MA. I called the office and spoke with XXXX XXXX who instructed me to pay the refunded amount with the first refund check I never received. He was not listening and did not take note of the facts of the matter. I have a copy of the refund check and letter. XXXX first told me the account was " written off '' which is ridiculous as it was money owed to me not owed by me and they sent it to a collections company which did not inspect any of the documents even after my dispute. Then XXXX told me that I was sent to collections because they stopped payment on the first refund check but failed to verify that it was never cashed even though that was the reason they contacted me in the first place- to collect an uncashed check. I have no clue why they would think this is my responsbility as I have no access to their bank account. 

I was sent to collection for an amount I OVERPAID within XXXX weeks of cashing the refund check. This is completely unacceptable and I will not do business with XXXX again as they are still unable to correct this problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: NJ
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:
Due to the EQUIFAX data breach, my personal/identity information has been leaked. I, the consumer NEVER gave EQUIFAX my written consent to use, sell, report or hold any of my personal/identifying information to begin with. EQUIFAX has committed " identity theft ''. I am aware the term " identity theft ' as described in15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. I did not give EQUIFAX consent to use, hold, report or profit off of my information, but that's exactly what they've been doing, which has now led to my information being leaked on the dark web after the data breach. Ive submitted my claim for a potential {$20000.00} payout for my losses. Even though my losses were upward of {$200000.00} due to the inaccurate, unverified, unauthorized information they have on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX I was defrauded by a confidence game scammer that 'hired " me for employment by impersonating an HR administrator for a legitimate company. I was coerced into sending payment for home office equipment via XXXX that I never received, under the pretense that a reimbursement check I was simultaneously sent would cover my upfront expenses. Upon depositing the check, the fraudster stopped the check payment and refused to send the equipment. I then reported the scam ( w/comprehensive detail and offered to provide police reports and supporting documentation ) to Chase on XXXX. At the time, they refused to provide an XXXX on how long the fraud investigation would take or when I would be contacted by an investigator. They also wouldn't take my documentation. I called back on XXXX for an update to learn they denied the claim on the same day ( XXXX ) without communicating anything to me. Highly unethical and not above board. I then asked for a re review and on XXXX, I faxed in a police report, FBI internet crimes report and email exchanges that detailed a clear product not received confidence game swindle. I AGAIN had to call Chase back for an update on XXXX, it was at this time they verbally admitted this was a scam but it was my problem for using XXXX, so they will not assist me and to contact the payer. Contact a fraud network who already refused to give me my money or equipment I paid for? XXXX. I also asked for the customer agent name or ID number along with formal documentation explaining how this transaction isn't covered by Chase fraud protection, and they refused to provide both! Very disappointed in Chase for the appalling way I was treated when I was clearly taken advantage of and defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I tried to fix it they charge overdraft fees for everyday once i payed it up they closed my account without warning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Just pulled update and I dont understand where this account came from. I have never seen it on my credit report before. I believe that someone used my personal information and applied for it!

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 2021-12-18
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: Was not notified of investigation status or results

Complaint:
I am reaching out in reference to an account on my report that XXXX XXXX has furnished. Under the FDCPA, a closed account can not have a late payment on it. That is a violation!!! Furthermore, I mailed in a dispute letter on XX/XX/2021 asking to furnish the original contract with my signature showing where I as the original creditor signed off on this. I never heard anything back. XXXX  days later, I sent in a XXXX  Day Demand of XXXX, and still never heard anything back. Under the FCRA, the failure to provide me with the documentation I requested is an automatic deletion from my credit report. Aside from that, being that no one responded back within XXXX days with nothing- under federal law that is also automatic deletion from my credit report! At this point, I will be seeking litigation if this account is not deleted because there have been way too many violations occurring as the consumer and original creditor. 

Account Number : 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 2021-01-05
Company: DISCOVER BANK
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I have tried for months to get discover to charge back a {$6900.00}. I have supplied them with all the evidence I have that proves I did not authorize the use of my credit card. The merchant sent them a copy of a receipt that shows alterations to the original receipt, I have provided them with the REAL receipt but they still refuse my dispute>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
XXXX XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also XXXX is reporting the date of last activity as XX/XX/2021 XXXX  is reporting XXXX It is a violation to re-age a collection account of FCRA 605C and This account have a balance but this account was already closed and also in collection/charge-off??? There's no way you can update an account that I have no recollection of even belonging to me. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  was the original holder of my mortgage. During ( in the middle of or further along in bankruptcy ) XXXX XXXX  transferred or sold my mortgage to Carrington Mortgage. From day one of the transfer the data was and calculations were confused. I know for at least three months I paid more than than what was required. When I asked where if the overpayment would be applied and carried over to payment due I was told they can't be ; the system doesn't allow it. I was given incorrect information regarding partial payments unapplied. I was given a hard time if I asked to be transferred to the bankruptcy dept., at other times transferred immediately. I have requested a breakdown of the account and not received anything, received illegible computer screen shots I have attempted to pay my mortgage on line, over the phone to finally send through my XXXX XXXX to insure to have a reference number from a third party. 
The confused, inadequate list goes on and on. All of this during a pandemic. 
Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX CRA : AMEX CRA ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX , was denied an extension of credit by American Express XXXX On XX/XX/XXXX, I applied for XXXX XXXX XXXX. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX XXXX XXXX Without XXXX, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
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:
The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, establishes the importance of consumer reporting agencies like XXXX, TransUnion, and XXXX conducting their substantial responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 USC 6801, it is mandated that financial institutions maintain an ongoing duty to honor customer privacy and secure sensitive personal information. As such, XXXX XXXX, categorized as a financial institution, is bound by these provisions. Specifically, 15 USC 1681 section 604 allows consumer reports to be furnished solely with the consumer 's written permission. 
However, I have not provided XXXX XXXX or the mentioned consumer reporting agencies with my consent, in any form, to share my information. Furthermore, under 15 USC 6802, a financial institution is prohibited from disclosing personal information to unrelated third parties without informing the consumer of their right to prevent such disclosure. I was not made aware of this right by XXXXXXXX XXXX 

Moreover, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from including certain negative information older than seven years in their reports. Any reporting of such outdated adverse information by these agencies without my consent is a violation of the FCRA. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the dissemination of information by any entity if there is knowledge or reasonable belief that the information is incorrect.

Consumer reporting agencies are required by 15 U.S. Code 1681e to establish adequate procedures to prevent violations of section 1681c and ensure that consumer reports are only used for authorized purposes. Failure to maintain these procedures by XXXX, Transunion and XXXX would be non-compliant with the FCRA. Lastly, as per 12 CFR 1016.7, I am entitled to opt out of such reporting services at any time, which I am hereby exercising.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-12-05
Company: EQUIFAX, INC.
State: LA
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 disputed an error on my credit report with Equifax credit bureau because I am a victim of identity involving collection account with XXXX XXXX XXXX and XXXX XXXX XXXX amount of {$590.00}. I've never had XXXX XXXX services because I've been a customer of XXXX for the last 15 years and still currently still utilize their services. Equifax agreed with the collection agency without adequate investigation measures. The collection agency won't provide me with the original XXXX XXXX documents and is asking me to pay {$590.00} not the {$590.00} as Equifax is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I disputed this account as not mine and asked the company to send me verification information that it was my debt including my signature. The common sent back a letter attempting to " settle '' on an account that is not mine. I am sending the same information to them in writing certified that I am sending to you. This debt must be removed from XXXX, XXXX  and XXXX  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