BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
chase checking XXXX charged XXXX XXXX {$34.00} without authorization for overdraft. chase calls this overdraft insufficient funds. it is not insufficient funds. it is overdraft. XXXX XXXX never authorized overdraft. XXXX XXXX never authorized insufficient funds. the difference is insufficient funds is when i write a check more than the available. overdraft means an outside agent tries to take money that is not available. the difference between overdraft and insufficient funds is that overdraft involves a third party. XXXX XXXX never authorized a third party to take money from his checking account. therefore there can be no authorized overdraft fee. what chase is doing is doing overdraft but calling it insufficient funds to make it appear that XXXX XXXX is to blame. in fact the third party is to blame. XXXX XXXX has complained about this particular problem many many times. chase does not have any permission anytime to overdraft the checking no matter who or what the reason. i will not pay this {$34.00} and if chase refuses to take back this {$34.00} overdraft fee then XXXX XXXX will sue chase. this is a flagrant example of chase stealing {$34.00} by calling overdraft insufficient funds. 
XXXX/XXXX/2016 Fee INSUFFICIENT FUNDS FEE FOR A {$200.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX WEB ID : XXXX {$34.00} ( {$200.00} ). 
respond to this complaint in a word document. DO NOT REPLY IN A PDF FORMAT BECAUSE CHASE INTENTIONALLY REPLIES IN UNOPENABLE REPLIES. CHASE IS A CROOK. CHASE BUYS OFF XXXX PARTIES TO TAKE ADVANTAGE OF EACH AND EVERY SITUATION. IF CHASE LOSES MONEY CHASE TURNS TO THE XXXX XXXX ITS PARTNER BECAUSE CHASE IS TOO BIG TO FAIL. I AM DISGUSTED WITH XXXX PARTIES BEING BOUGHT OFF WITH BRIBES BY CORPORATIONS TO STIFLE COMPETITION. WE NEED THE OPPOSITE OF XXXX WHICH MINIMAL REGULATION IN THE MARKETPLACE WHICH WAS SUPPOSED TO PREVENT STIFLE COMPETITION. THERE IS NO COMPETITON AND WE NEEDTHE GOVERNMENT TO DEFEND US FROM STIFLED COMPETITION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: MA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: SD
Product: Credit card
Issue: Other

Complaint:
I used my card for a hold downpayment in XXXX to XXXX XXXX. XXXX XXXX The purchase never was made. The card was charged 3 times for {$500.00} Chase card services is fradulent I believe i have submitted a complaint before For a while the balance on the card was {$0.00} Now it is {$500.00} please assist in this matter The card was charged 3 times, XXXX refunds were issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing on my credit report for almost a year now the bureaus have remove some items but some items I know there not verifying at all and it's inaccurate on XXXX I have a total of 6 Dept of ed that's reporting wrong and hurting my credit on XXXX there's a medical bill that was remove and place back on my account without them notifying me first and there's two repos on all three reports that's reporting different that the bureaus refuse two investigate and Experian keep reporting a bankruptcy that they refuse to explain how they verifying the item

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 2023-12-12
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-03-11
Company: EQUIFAX, 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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 2022-12-15
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
****CASH APP IS A SERVICE DEVELOPED BY SQUARE INC.******** On XX/XX/XXXX, I submitted a payment as $ XXXX to XXXX XXXX under his CashApp name $ XX/XX/XXXX. A total of {$1500.00} was sent to $ XXXX for a mortgage payment. Within one hour, at XXXX XXXX, XXXX XXXX ( $ XXXX ) refunded the amount of {$1500.00} back to me ( $ XXXX ). A CashApp receipt was generated for the refund. The original transaction sent to XXXX XXXX shows as refunded with an 'Identifier ' of # XXXX. I am assuming this is CashApp 's version of a confirmation number. 

The original recipient of the funds sent an email to CashApp on XX/XX/XXXX when I informed him that the funds were not back in my CashApp profile or my bank account. I have emailed CashApp several times regarding this issue and I am still being told that the funds will be sent back to my debit card within 2-3 days. I received an email reply on XX/XX/XXXX indicating that I need to speak with my bank regarding this issue. I do not believe that this is a bank issue because the funds were completely removed from my account via CashApp. I talked with XXXX XXXX XXXX XXXX on XX/XX/XXXX to discuss the issue of the refund. I was informed by the teller that this is a CashApp issue and funds have to be placed back onto the card from which it came from. When this happens ... XXXX XXXX XXXX XXXX will show a pending deposit coming into my account. 

To this date..CashApp has taken no steps to send the {$1500.00} back to my account. Whenever I send an email to check on the status, I am getting replies from a different person each time with same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TMX Finance LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Titlemax agents did not present me with the entire contract on XX/XX/XXXX. The agent hid pages on a tablet on the wall while portions of the contract were concealed on a desktop computer that was only visible to the agent. There was no mutual understanding or a meeting of the minds due to the unlicensed agent employee of Titlemax hid while leading me to believe that he displayed all the pages of the contract on the tablet that was visible to me. Which he did not. In addition to other pages, I was never presented the signature page of the contract along with other pages. The original copy I was given after all business had been conducted and I was leaving the location I asked for a copy of the contract. The agent printed a copy and gave it to me. My original contract provided by XXXX XXXX, I learned later was not signed by me or anyone else on XX/XX/2022. 

But somehow title Max is presenting a signed agreement that I can only assume is a forged signature electronically copied from another page and posted on the signature line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ( FCRA ) ; 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 an account without my written instructions. 

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices.

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 an account without my written instructions.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I demand it be deleted and to not be put back on in the future.

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 2022-01-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I created account on XXXX back in XXXX of XXXX with the intent to transfer {$350.00} to my attorney in XXXX. 

Today, XX/XX/XXXX, I finally submitted the transfer. 

Upon hitting the " send money '' button I got a transaction number, but before I had the chance to write it down, the website logged me out. I attempted to login, but was told that my password was incorrect. 

After attempting to login several times, I reached out to customer service via the chat. They told me that I should use another service as MoneyGram will no longer service me, implying that I was banned. They refused to provide any information on why I was banned. I requested a phone number to speak to a live person. They told me the same thing and asked that I file a complaint. 

I filed the complaint on MoneyGram website and got a case number. I am waiting for additional information, but I am not optimistic based on people 's stories I saw online. 

I am filing this complaint in the hopes that I can be given a reason of why I was banned and how I can get unbanned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was under forbearance due to hurricane Irma and called every month asking status of the cap an extend. I was told dont worry about it and it was still being approved and their backed up. I stated I wanted to start making my payment and was told not nessary. Then after 8 months was told va approved it if freedom mortgage did two things. They refused so it was not approved and I was told I owed XXXX right now and they reported on my credit. I argued that they need to give me 30 days to make some arrangements. After a lot of arguing and filing a complaint with cfpb they agreed to payment arrangements and removed off my credit. I have made every agreed payment and now half way thru the agreement they started reporting on my credit reports that Im late and its not correct. I have made every payment as agreeded. The refuse to remove it again. This is unfair to me and still seems as it has all along as predatory lending and they are trying everything to get the house. I have XXXX payments left under the agreement and they are damaging me by in correctly reporting that I have not payed as agreed and am delinquent.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-01-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have originally filed a complaint about navient. They put my student loan in forbearance And I did not agree. After contacting them they agreed to take the loan out of forbearance did not claiming the co-signer is paying it. That we signed a forbearance. I have disputed this and asked to see the signed forbearance still nothing. This company has tacked on outrageous amount of money. They also lied stated that the loan is being repaid. First time it was {$2.00} next time {$110.00} now it says {$0.00}. They are creating their own payment schedules and forbearance. Originally when contacted by this company I disagreed with amount and they insisted its fees. They also insisted that nothing could be done and a forbearance was the only way to go. I do not work nor have taxable income. This company has committed fraudulent activity. Yet an still doesnt hold their end of the bargain. I have disagreed with a forbearance. I have disagreed with paying this loan due to financial hardships. They have also lied said theres an over payment yet no account is on file for autopay. Even while in school they claimed I couldnt have a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: LA
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 identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by 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 explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NJ
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
I rented a car from XXXX on XX/XX/XXXX. After I drove the car to work I noticed the car had a mechanical issue with the gas pedal. Long story short XXXX promised me several times a follow up call from the regional XXXX to discuss my issues and they never called me so I went ahead and opened a dispute with Chase. 

I submitted my statement to chase and they immediately closed my dispute less than a week after it was opened because I did not cancel the transaction. XXXX XXXX, a supervisor in the disputes department used a restaurant as an analogy Well if you eat your whole meal then you cant get a refund Im sorry, but in my case I was physically unable to return the car or cancel the transaction because of the mechanical issue with the gas pedal. I had to drive side streets home because enterprise never told me about their mechanical issues hotline even after I called them several times about the issue. 

I am so disappointed with chase, Im pretty sure they illegally closed my dispute. The representative who called me from the XXXX, along with XXXX XXXX the supervisor both seemed highly untrained and unfamiliar with visa rules and practices. Neither would let me speak with a real XXXX.

Company response to consumer: Closed with monetary relief