BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir or Madam! 
JP Morgan Chace Bank N.A. was corresponding Bank between XXXX ( it is not under sanctions ) and XXXX ( XXXX one ). XXXX of XXXX I tried to transfer {$300.00}. And my money disappeared in JP Morgan Chace NA. It was written like the payment is declined, but still, despite it is XXXX of XXXX, nothing was returned on my account. I sent them my XXXX code and asked to check out what is happened. They used all possible useless excuses but did not even agree to check the situation out, despite of all information provided. Could you help me somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted at least 8 disputes this year to Transunion and XXXX regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with XXXX XXXX  is for the same amount to report it twice the company XXXX XXXX changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and PC they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from Pro Collect and the agencies refuse to properly investigate 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 2023-01-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did not lose my job, nor did I fall XXXX My payments were deducted by electronic funds transfer and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I sent my payment to XXXX XXXX XXXX after a corporate transfer however, on XX/XX/XXXX, XXXX XXXX cashed my cashier 's check no. XXXX, that triggered the predatory foreclosure scheme imposed upon me. In addition, I must repay the check XXXX XXXX cashed and I must pay interest for the month of XX/XX/XXXX. ( See Affidavit of Amounts due and Owing & copy of canceled check. ) My regular monthly mortgage payments were {$670.00} until the corporate transfer of my note to XXXX XXXX. ( see U.S. Bank proof of claim pg. XXXX ) Immediately upon XXXX XXXX XXXX XXXX to go into my bank account on XX/XX/XXXX, the bank took XXXX which is {$12.00}, less than my regular monthly payment. The funds were available however, the shortage was intentional and used to send me into default on XX/XX/XXXX, loss mitigation and foreclosure was imposed upon me for the {$12.00} shortage. ( See letter to CFPB complaint XXXX response from XXXX dated XX/XX/XXXX pg. XXXX and U.S. Bank 's Loss mitigation Affidavit ) .Under the electronic funds transfer act the bank could have given me a provisional credit to the account for {$12.00}. They could have returned the {$650.00} to the bank account but instead, on XX/XX/XXXX, I was sent a loss mitigation package for 14 months and on XX/XX/XXXX. XXXX initiated foreclosure proceedings against me. XXXX XXXX and U.S. Bank conducted a corporate assignment and U.S. Bank took over the foreclosure proceedings. The balance on my mortgage was {$94000.00} at 2 % interest before the predatory scheme. A judgment was entered against me for over {$140000.00}, my credit is ruined with the judgment of foreclosure and I may find myself homeless because the bank intentionally took a partial payment for {$12.00} less than the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Byrider Franchising, LLC
State: SD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
CNAC financing/JD Byryder intercepted my tax return before it hit my bank in XXXX, for an old car loan that defaulted through voluntary reposession in XXXX and portrayed themselves as a student loan in order to do it. I just found out this out today. The entire time, I thought it was a student loan that I paid off long before because that's what the IRS told me, but I can see in XXXX XXXX civil court search that it was actually CNAC that took it. A 9 year old debt collected by intercepting my tax refund before it was deposited into my account for a defaulted car loan. How are they allowed to do that?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
In accordance with the Fair Credit reporting Act, XXXX XXXX {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent

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 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by XXXX XXXX XXXX. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/2023 my credit score was unable to be calculated through Equifax. 
I reached out to Equifax and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Account information incorrect

Complaint:
I sent my 2nd letters off to XXXX, XXXX, Experian on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, XXXX # XXXX, Experian # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

According to the FRCA. The term '' investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom with whom he is acquainted or who may have knowledge concerning any such items of information.

Attached is the letters I sent out in " Good Faith ''.

Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2018-08-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I paid my HSBC credit card balance off in full. The money was deducted from my checking account with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. My card was declined when I tried to buy food from a food truck on XX/XX/2018. On XX/XX/2018 at XXXX XXXX   PST, I called HSBC to inquire why my credit card was declined on XX/XX/2018. The customer service rep told me that because the payment was such a large amount ( {$1000.00} ) HSBC had to investigate and verify the payment. When I asked why it was taking them 10 days, she said that she did not know, but that the card would be available for use on XX/XX/2018. 

Two things are unacceptable : 1. That it took 11 days to process my payment. 2. That I could not use my credit card for 11 days. 

If I do not get this resolved to my satisfaction, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NV
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:
There are multiple inaccuracies showing on my credit report. I have tried to fix this problem with the credit bureaus however after a couple of days they close my dispute as if they looked at it with really verifying the information. 

I am including the below inaccuracies as I seen them showing on my credit report Accounts Bankruptcy- I have never filed Bankruptcy and the clerk of the XXXX XXXX court sent me a letter saying they never confirmed to any credit bureaus that the bankruptcy belonged to me XXXX account number n/a balance XXXX XXXX XXXX account number n/a balance XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I do not have any other names or aliases, and I do not wish to disclose ANY other names or aliases. Unless you can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. 
My current unique address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Unless you can produce or present to me your legitimate AUTHORITY to retain these on my credit report. Otherwise, you are infringing my consumer rights. 
I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these Employers I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. Otherwise you are infringing myconsumer rights. 
I DO NOT give you Authorization to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Recording my social security number in my credit report could potentially cause security issues and may lead to IDENTITY THEFT. 
Please DELETE ANY social security numbers from my consumer credit report. 
My date of birth is XX/XX/1988. I do NOT have any OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported on my credit report. Therefore, if ANY Dates of Birth exist DELETE IMMEDIATELY or produce PROOF of your legitimate AUTHORITY to retain this on my credit report otherwise you are infringing my consumer rights. 

Thank you in advance for complying with my wishes. I would like an updated version of my corrected profile as soon as I you resolved the inaccuracies listed above.

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 2022-05-23
Company: EQUIFAX, INC.
State: AL
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 REPORTING ACT XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX. 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with TUXXXX XXXXXXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX & XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with TUXXXX XXXX XXXX XXXX XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on TU as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice TU and XXXX 

XX/XX/XXXX, XXXX updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On TU as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on TU as of XX/XX/XXXX. payment status as late on a collection account on XXXX as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. 

XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately I DEMAND THIS ACCOUNT BE REMOVE ENTIRELY FROM MY CREDIT REPORT. THIS DEBTOR REPORTED THE COLLECTION multiple TIMES ON MY ACCOUNT. TWO ACCOUNTS ON MY CREDIT REPORT HAS THE SAME ACCOUNT NUMBER AND OPEN BALANCE. DO NOT UPDATE.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear CFPB I am writing this letter to complain that XXXX credit cards treat users differently when credit cards are stolen and user information is stolen. 

Recently, many users ' XXXX credit cards have been stolen, and their user information has been stolen. I also experienced the same thing, and immediately replaced it with a new card. 

For this incident, XXXX compensated the user by paying XXXX points to keep the user, but I experienced the same thing, but did not receive the compensation notice. I have contacted XXXX customer service and they said they are not aware of this. 

hope help i want compensation back

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1500.00} 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 2018-11-11
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were on a second payment plan with Wells Fargo Home Mortgage. Our first one we had a problem with someone hacking our bank account and causing our final payment to bounce. Our home preservation specialist at the time a gal by the name of XXXX XXXX was not able to get her manager to extend that final payment and we started another payment plan for three months starting in XXXX. We then had to be transferred to a new home preservationist by the name of XXXX XXXX XXXX. XXXX is a far cry from XXXX in that XXXX will not get in touch with us if a problem arises that we could have fixed. After we made the final payment on the plan on XX/XX/XXXX, we received an email asking for a call. Called her back on the XX/XX/XXXX, and this was one of the few times that were able to speak directly with her. On other occasions could not get in touch until sent a bit of an angry email to her regarding how the payment plan was going to be paid each Friday at a branch. Feel like that Wells Fargo put us with a home preservationist to only have us fail in our attempts on the payment plan. On XX/XX/XXXX gave Ms. XXXX a payment of {$20.00} and at that time was told to expect paperwork for what happens next. Said paperwork was not received and then get email from her stating Wells Fargo had denied our request. Email made no sense and in that we never made any request for assistance. Explained that no paperwork had been sent back in an email that no paperwork was ever received and to explain. Still have not received paperwork or new paperwork about being denied either. Can provide all receipts that show that the payment plan was paid in full and that the {$20.00} was also paid. This is a second complaint have filed over this problem and no one at Wells Fargo will address our concerns only send letters stating need more time. They are setting us up for a fail in our minds.

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 2017-09-22
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I tried to log into my Coinbase account after getting a new phone, same account, same XXXX authenticator, same everything. 

Can not get into my account. Have not received a response or resolution from Coinbases account recovery system. Nothing. 

Give me access to my account, I have uploaded my drivers license, all of my info. I wish to no longer do business with your company once I gain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Personal information incorrect

Complaint:
Please see attached proof of identity, address, and letter.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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