BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 Experian credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX, XXXX, PA, XXXX, BANK XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: DISCOVER BANK
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover didn't fully address my complaint in CFPB case # XXXX. The CFPB told me to file another dispute. 

1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 

2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX certified inspector. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through training. 

3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. 

If Discover doesn't address all XXXX of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all XXXX issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I really didnt know too much about checking my credit but when I did I found 2 fraudulent accounts on my report which is XXXX XXXX XXXX  fraudulent amount is XXXX and also XXXX XXXX XXXX is fraudulent amount XXXX I have no knowledge of either one of these 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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe it was a mistake to close my paypal account. I am using my paypal account for my online business mostly XXXX XXXX XXXX  since last year 2021. My paypal account XXXX was permenently limited and I need my account so that I can receive payments from my business. And I am hoping that I will get back my account. Thank you and Godbless. 

For identity verification, I attached my valid. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase VISA - Dispute Reference : XXXX Chase has denied my claim for a fraudulent charge from luggage shipping merchant, XXXX, even after providing them photographic evidence that the bag I shipped was not oversized. VISA just told me " they don't review photographic evidence '' and " because the merchant provided an invoice the charge is valid. '' Please see history below and note I provided photos with measuring tape of my bag. 

I paid XXXX {$170.00} on XX/XX/2023 for the XXXX XXXX shipping of two pieces of luggage from my home and back. A duffel bag and ski bag. This charge was determined by the weight/size of my luggage. 

On XX/XX/2023 XXXX charged me an ADDITIONAL ( which I did not approve ) amount of {$180.00} ( claiming it was oversized for the trip out ) On XX/XX/2023 XXXX  charge me an ADDITIONAL ( which I did not approve ) amount of {$200.00} ( claiming it was oversized for the trip back ) For both of these additional charges, XXXX claimed the ski bag I shipped was larger than it was XXXX requested I send in evidence of the size of the bag- I sent them that evidence in photographs XXXX claimed that my bag measured 77.0 x 20.0 x 10.0 in ; But as you can see in the measurements, my bag actually measured 66x12x7 XXXX uses a formula of XXXX / XXXX  to determine a number... if that number is less than 65 - then my bag 's original charge was the correct charge As you can see below, with that formula, I come in under 65. Even IF one were to include a couple more inches in the measured dimensions, I would still come under the limit. 

XXXX claims that XXXX " laser scanned '' my bags during shipping. Well I don't know what that means, and perhaps their system isn't effective for odd sized items ( e.g., it's not a square cardboard box ) ... .but I know that a tape measure doesn't lie, and I don't lie, so this is a FAKE CHARGE and should be refunded If XXXX can not rely on XXXX for correct scanning of odd sized objects, they should not provide this service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: MI
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:
Update to Complaint # XXXX Received this letter by XXXX from XXXX XXXX on XXXX, also received a call from the representative that this may take up to 90 days for " Forbearance '' to be removed from my credit report. 

My mortgage is paid in full, including the two month " grace period '' XXXX XXXX offered. 

The Original Complaint # XXXX submited XX/XX/2020 I hold a home mortgage with XXXX XXXX, and they have been on autopay up until XX/XX/2020. XXXX XXXX offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or lending institutions did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Rauch-Milliken International, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our business insurance account was turned over to Rauch-Milliken International , Inc. on XX/XX/. We had been making payments to our insurance company during this time and these amounts were not credited on the amount this collection company had. I requested that the amount we owed be clarified by the collection agency and our insurance company. The collection company kept pressuring us to pay without finding out the true balance and used demeaning statements like, Why are you on auto repeat about this?, Quit stalling and do what is needed to fix the debt you put yourself into. 
I have emails with my requests and the above responses. I was able to verify the amount we owed with the insurance company and provided this information to the collection agency but they disregarded it. I sent a letter to the CEO of Rauch-Milliken International , XXXX XXXX by certified mail and have had no response. The agent who the collection agency used was XXXX XXXX. Never once was I demeaning or demanding in my correspondences but was met with such when she responded to my requests. This is highly unprofessional and unethical and should be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check for {$90.00} on XX/XX/22 into my checking account at Chase Bank that I've had for 3 years ( History with them is much longer but I tried XXXX XXXX for a while then switched back after divorce ). This check was signed over to me for work I did. 

I then deposited a check for {$600.00} on XX/XX/22. This check was written to me for work I did.

2 separate checks from 2 different people.

The {$90.00} came back as rejected then they said the signature was forged. Nothing to do with me as everything was already filled out when I got it. But of course I have to handle it on my end cause now I'm out {$90.00} and a flag on my account. 

The {$600.00} check clears and funds become available but they froze my account on XX/XX/22 while they investigate a little more on the other check. Chase Bank then decide on XX/XX/22 that they are going to close my account. Now I had transfered some money around so there was {$420.00} with a few leftover debits bringing it to {$370.00} and my other account was at {$400.00}. They have a 10 day waiting period in closed accounts. 

XX/XX/22 - They cut checks to send me my money that was cleared and ready for withdrawal with no other bank activity still pending. They cut 3 checks : 1. {$370.00} - My main account 2. {$220.00} - My other account I set up for my daughter ( XXXX XXXX XXXX XXXX ) 3. {$170.00} - Which was mailed to me and I received. 

The other 2 checks I never received and I called and called and went into the bank. I spent Hours & Hours on hold to be transferred again and again and nobody knows and they lie to me by each person telling me something different. I ask for names and they hang up after waiting over an hour on hold. I go in there again XX/XX/22 and they finally say that they've been trying to get a hold of the person who wrote the check for {$600.00}. I said, " Why, the check cleared. '' " Is He missing the money did He call about it? '' They say, " No. '' I reply, " That's right cause he's not missing the money. '' " Your mixing the {$90.00} check with this one when they have nothing to do with each other. '' They want me to get a hold of this person and bring them into the bank and show I.D . That's insane... .First I don't know him, I never met him. I did work through a connection and he handled all the business, I was just labor. Also, I had a falling out with that connection over the {$90.00} check so I have no way of contacting the person. Besides, I shouldn't even be asked to do that by a bank. They have an account with Him, it's a Chase Bank Account??? 

So they won't give me my money and I couldn't pay rent and I've spent probably 20+ hours dealing with this. Please help. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX were reflected as late payments 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 100 % true, accurate & correct.

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 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 explanation
Consumer complaint received 2019-06-24
Company: ProCollect, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a tenant for XXXX XXXX XXXX in 2015. I received notification that a balance of {$210.00} is owed to ProCollect Incorporated along with an additional {$7.00}. There was no notification of balance prior to collection. Additional information was requested to ProCollect Incorporated with no notice.

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 2022-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The bank servicer is Wells Fargo I've been communicating with them for over a year and a 1/2 for a modification notification or refinance There's 16 complaints with the executive offices with Wells Fargo I sent in documentation Several times for a modification saying they never got the documentation Also sending letters stating that they did get the documentation Very contradicting evidenceWells Fargo has 3 different entities in regard to the process of modification or loss litigation Normal practices are just one department wells Fargo has 3 departments miss leading A year and a 1/2 ago they offered me a modification within 24 hours of getting the documents They wanted me to sign another 10 year note adding 10 years to the loan To save me {$13.00} in a modification which is which is designed for the bank to make more money And not as an act of helping the consumer In the pandemic cares act There's 16 complaints with the executive offices of Wells Fargo and none of them have been investigated or done anything with according to last employee with well fargo I just had hud US department of housing we did 3 way phone call phone on recorded line with Wells Fargo executive offices trying to talk to the person that holds the file for lending and unable to get ahold of the actual underwriter They do that so you go away As a deference tactic This file has been going back-and-forth and it's not being looked at at properly They're also sending me letters at the house stating they got all the documentation they need and contradicting with another letter stating that they didn't get all the documentation We recently did last year a recast with wells fargo because of my because my mortgage payment was way too high I had to sell my boat and car paid down XXXX to pay down loan with recast Wells Fargo would not Refinance me or Modify my loan but they took the recast money XXXX Saying that I don't qualify My credit score XXXX  XXXX I'm medically XXXX Unable to get back to work at this time Due to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the loss of my son and father The bank has no incentive on refinancing me or giving me a modification because they don't make any money they will lose money they are acting as both the bank and the bank servicer took that money and recasted my loan Due to my medical issues issues on XXXX XXXX the loss of my son and father

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 2023-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX 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 2023-01-05
Company: EQUIFAX, INC.
State: CO
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 late payments that are showing on my XXXX account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items immediately : 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 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 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