BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX  account # 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 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 2020-03-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I disputed a {$350.00} charge on my account with XXXX XXXX XXXX  because I paid for a marketing service. The service I signed up for was through the company 's CFO named XXXX XXXX. The company 's marketing program that I paid for advertised that they would provide marketing recognition and name recognition for my business and those services were not rendered. The service with XXXX XXXX XXXX was for {$350.00} and was paid for in Mid XXXX. As months went by, I corresponded with them to see when my marketing services were to be rendered and they said they were working on it. I never received my services after several months of correspondence, so I called Chase to dispute the {$350.00} charge. On XX/XX/17, my temporary credit was reversed and I was re-charged the {$350.00} despite me telling Chase Bank that I did not receive the services I paid for. I spoke to a woman named XXXX, and a man named XXXX at Chase over the phone. XXXX told me that even though I did not receive the services I paid for, there was nothing they can do to refund my {$350.00} because I was supposedly supposed to dispute my charges within 120 days of the service. I disputed these charges outside of the 120 window by 9 days, and XXXX said there is nothing they can do. He was rude, condescending and not helpful. When I first disputed this charge with XXXX, it was not disclosed to me that I would forfeit this temporary credit and I was not advised of the 120 day window. If this was the case, I should have been notified that making such a dispute would be for no good reason. I need to be refunded {$350.00} for the services that I never received from XXXX XXXX XXXX. To this day, XXXX XXXX XXXX has not responded to my persistent requests for an update on when my marketing services would begin. This is fraudulent and unfair business practices, and frankly, theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Please be advised that this is my SECOND WRITTEN REQUEST for them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked? 
As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contra
ct with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Creditor XXXX : XXXX XXXXXXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. Also and place a suppression on my credit.

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 2022-11-12
Company: EQUIFAX, INC.
State: MO
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX  Account Number : XXXX Delete this account. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Identity Theft XXXX  Account Number : XXXX Delete this account. 
5. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 12. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
13. Identity Theft Account Number : XXXX 14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown inquiries on my credit report. On this day, 40 days later Ive yet to receive a response. I feel that Im being ignored and taken advantage of in regard to the lack of care being given to my concerns. Section 611 ( a ) states that a failure to investigate these items of my dispute within 30 days, gives a reason to immediately remove them from my credit report. It has been over 30 days so they should be deleted promptly. I demand that this inquiry be deleted immediately or my next course of action is to file for litigation, due to the stress this situation has caused me.

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 2021-04-02
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of MRS BPO , LLC. 

I received the attached collection letter on XX/XX/XXXX, from this, MRS BPO , LLC, claiming that they are collecting on an alleged debt that they are claiming to have acquired from XXXX XXXX XXXX XXXX. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to MRS BPO , LLC, that I dont owe them, nor do I owe XXXX XXXX XXXX XXXX this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying XXXX XXXX for, years ago, and I could never get adequate nor accurate answers. 

In XXXX I did have a XXXX XXXX credit card account, and I feel that XXXX XXXX deceived me with the rates, and charges that were being charged onto the account. 
Years ago I had contacted XXXX XXXX many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to XXXX XXXX for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency MRS BPO LLC, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want MRS BPO , LLC to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that XXXX XXXX XXXX XXXX do the same. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, XXXX XXXX has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to Carrington Mortgage Services LLC in XX/XX/2020. An electronic payment was made on XX/XX/2020 From my account at XXXX XXXX XXXX, and received XX/XX/2020 by Carrington Mortgage, LLC which accepted payment, however the funds were erroneously credited to an incorrect account rather than to my mortgage account due to two numbers were transposed in the memo field on the payment. 
Upon contacting them to correct the error, Carrington Mortgage LLC requested evidence of the payment, which was faxed to their number XXXX. the evidence provided was Proof of Payment by XXXX XXXX XXXX  ( attached ). showing the payment type was electronic, it includes the Customer Name information and address, payment dates Payee Information, payment amount, send date, received date, status of " Paid '', the memo section shows the loan number with the transposed numbers, etc. 
I contacted Carrington Mortgage Services LLC to confirm receipt of the fax, which they confirmed receipt. however they stated that they would not correctly credit the payment, and it would take an additional 3 to 5 business days for them to review the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. Then copy all the inquiries. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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 2021-04-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Total transactions amounts : $ XXXX Date : XX/XX/XXXX Note : I do not have overdraft service and didn't sign up for overdraft service, but Wells Fargo is always in the habit of double posting past transactions and charging my account with fake overdraft fees for no reason. This is the fifth time now Wells Fargo has double posted past transactions in my account and charged my account with fake overdraft fees and made me pay overdraft fees for something I had already paid for with sufficient funds in my checking. 

Transactions : Transaction : {$35.00} Overdraft fee on XX/XX/XXXX for a {$7.00} XXXX XXXX I paid for with sufficient funds in my checking. 

Transaction : Wells Fargo debited my refund of {$43.00} ( credit ) from XXXX on XX/XX/XXXX. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$28.00} from my savings into my checking with sufficient funds in my savings. 

Transaction : {$35.00} overdraft fee on XX/XX/XXXX for transferring {$43.00} from my savings to my checking with sufficient funds in my savings. 

Transactions : That $ XXXX was deducted from my payroll deposit on XX/XX/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 monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian has fraudulently put a derogatory remark on my credit profile listed as XXXX XXXX XXXX. As I have contacted Experian to resolve the fraud with dispute XXXX XXXX they had told me no verification of debt was needed and that their client also does not need to verify the debt violating numerous laws. Once I stated I needed to speak to the supervisor or fraud department to resolve the issue they refused to transfer me. The number I called was XXXX XXXXXXXX I got XXXX, XXXX, XXXX and XXXX each time I called they hung up during the transfer to a supervisor and refused to transfer my call to the fraud department. When I disputed this in the past, I have made a complaint to CFPB to investigate the activities at Experian with regard to this matter file XXXX  XXXX. As you see Experian responded to you with a LIE saying they were working on the dispute, when in fact they have closed the dispute without any verification of the debt AGAIN and have given no further information on the validation of the debt since. Experian is conducting fraudulent business practices hurting the public, lying to regulatory authority and breaking federal laws.

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 2022-11-19
Company: Experian Information Solutions 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:
EXPERIAN REPORT # XXXX INVESTIGATION ID XXXX RECIEVED FRIVILOUS RESPONSE AND A LYE STATING XXXX XXXX IS STAYING AND VERIFIED ACCOUNT OWNERSHIP I PREVIOUSLY SENT REGISTERED LETTER WITH DETAILED INFORMATION AND A COURT DOCUMENT WITH ANOTHER DOCUMENT SHOWING ADDRESS OF XXXX TO BE WRONG AND NO WAY TO CONTACT THEM DIRECTLY A D PROOF I HAVE EHUASTED ALL WAYS TO FURTHER DISPUTE DIRECTLY I HAVE NO RECORD OF SUCH ACCOUNT EXISTING AND RIGHT NOW HAVE A ARBITRATION SET UP WITH FAIRSHAKE TO GET COMPASSTION FOR DAMAGING MY CREDIT I ALSO SEEMING ATTORNEY TO FURTHER MORE HOLD EXPERIAN LIABLE FOR ALLOWING INFORMATION TO STAY ON RECORD AFTER I PROVIDED INFORMATION CONSTITUTING IMEDIATE.REMOVAL AS EXPERIAN WILL NOT PROVIDE ME WITH INFORMATION ON HOW THEY VERIFIED A ACCOUNT NOT MINE

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 2023-08-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX points, XXXX XXXX points and Experian XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At XXXX XXXX interest ( currently frozen to XXXX XXXX for CARES Act administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, Experian and XXXX refuse to explain, verify or rectify despite repeated calls and 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 explanation
Consumer complaint received 2023-10-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XXXX XXXX  I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE CONTACTED THE CREDIT REPORTING AGENCIES AND XXXX XXXX  BANK THAT THE ACCOUNTS THEY HAVE IN FILES ARE NOT MINES, I HAVE SENT ID INFO SEVERAL TIMES TELLING THEM THAT THESE XXXX ACCOUNTS I DID NOT USE THEM, XXXX XXXX ACCOUNTSXXXX AND ACCOUNT XXXXI KNOW THAT THEIR PRIME OBJECTIVE IE TO KEEP PEOPLES CREDIT SCORES LOW TOSO THEY CAN CHARGE HIGH INTEREST RATES BUT THIS IS NOT GOOD.

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 2022-11-12
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 information incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Disputed Item : - Inaccurate Reporting XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX Closed Date opened XX/XX/XXXX Account type Credit Card

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