BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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
Consumer complaint received 2021-04-22
Company: Southwest Credit Systems, L.P.
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA. A bill without a signature does not imply that the debt is valid, and anyone may submit a bill and claim ownership. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly a violation of the law to placed it for a collection with profit loss write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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 filed a dispute with Equifax about a month ago on line that the following accounts is fraud on my account. I have been a victim of identity theft 3 times over now and they continue to report false information after you tell them you have no record of account. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021, I received an offer from Chase bank for a cash advance without interest. The advertising does not explicitly state that Chase will charge percentage fees. After I wrote the check to myself, chase charged me a {$180.00} fee. I called chase and offered to return the money. But they have refused to refund the {$180.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing a formal complaint about the financial distress and hassle I've been dealing with TRANSUNION, XXXX, and XXXX. I've been trying to get in touch with them to sort out some issues on my credit report, but it seems like they're completely ignoring me. I've sent them dispute letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023, but they haven't bothered to respond or do anything about it. This lack of response is not only super frustrating but also putting me in a tight spot financially. These inaccurate BANKRUPTCY reports on my credit report are making it ridiculously hard for me to apply for credit, loans, and other financial stuff. And guess what? I even got a letter from the Bankruptcy Court XXXX XXXX XXXX XXXX saying that they don't verify information to the credit reporting agency. How messed up is that? I really think it's time for the CFPB to step in and investigate how TRANSUNION, XXXX, and XXXX are handling things. They seriously need to be held accountable for their lack of response and take immediate action to fix the inaccuracies on my credit report. I've included copies of all the important documents, like my previous letters to TRANSUNION, XXXX, and XXXX, and that court letter. I'm sure this evidence will back up your investigation.

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 2021-04-21
Company: EQUIFAX, 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:
There are two accounts on my credit report one is on my XXXX one is on my equifax I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXXAmt {$410.00} No Account Name - Acct # XXXXAmt {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. AlsENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fact, the Truth in Leading Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Leading Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that CarMax XXXX  XXXX, XXXX XXXX CARMAX XXXX XXXX  is Violation of 15 USC 1605. ( A ) ( C ). This transaction included a finance charge, and the finance charge includes insurance Which protects the creditor against the Obligors loss and or property damage. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labelled as Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in Violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. CarMax XXXX XXXX XXXX XXXX CarMax XXXX FINANCE In fact took cash as shown in attachment labelled as exhibit A & B Fact, Affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that CarMax XXXX XXXX XXXX XXXX CARMAX XXXX XXXX is in violation of 15 USC 1611. CarMax XXXX XXXX, XXXX XXXX CARMAX XXXX XXXX Willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable. 



CarMax XXXX XXXX obtained my personal information without my consent, knowledge. pursuant to 1681 ( A ) & ( B ) they have yet to explain how they obtained my information or produced a written contract with a wet ink signature binding both parties instead they furnish deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021, I contracted with Western Union Financial Service to send money to my sister-in-law in XXXX. In our contract, it was agreed that I would pay {$4900.00}, plus a {$2.00} fee, to have XXXX XXXX reals deposited into my sister-in-law 's bank account. I paid the money. My Tracking # ( MTCN ) was XXXX XXXX XXXX. 

But Western Union only deposited XXXX XXXX reals into my recipient 's account. The transaction was deficient XXXX Brazilian reals. I contacted Western Union 's customer service to have this rectified, but was only told 1 ) transfer rates are subject to fluctuation and/or 2 ) it must have been taxes taken out by the recipient bank. I feel as though Western Union refuses to actually LOOK into the transaction and actually SEE what was indeed deposited. 

The deficient amount was XXXX XXXX reals, which is approximately over 6 % of the total transaction. This is WAY too much to be explained away by simple market rate fluctuation. As well, the recipient bank says nothing was deducted for taxes at the time of deposit, that is not how taxes are paid in XXXX ( they are paid later at the end of the year in a tax return. ) The bank says they deposit exactly the amount that Western Union sent. 

My spouse had the EXACT same issue on the EXACT same day. Western Union was able to look into her problem and determine that an error had occurred on their end and issued a partial refund for the deficient amount that was not sent by Western Union. This was Western Union incident number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
It all started XX/XX/XXXX XXXX pm when i received a message from Chime bank saying that my account information had been updated to a diff email and phone number that i had no idea and was signed out of my account. I call Chime immediately to report the issue. Spoke with rep name XXXX told me that i needed to send a copy of my ID and last four of my SSN and correct email ( XXXX ) hacker changed it to XXXX so every time i call they have trouble finding my account until they pull ticket numbers # XXXX is one of them, XXXX told me to try signing into my account within 24 hours, next day came could not access my account called back and was told the account had been closed and will not reopen, asked for a supervisor XXXX # XXXX told me to submit a police report and wait about 48 hours for them to investigate my account, days passed here we are 2 weeks later im still being told that there is nothing they can do and that i will not receive funds. XX/XX/XXXX i received my federal income tax into the Chime account in the amount of {$6100.00} total amount in account with my job funding is {$7400.00} they have never emailed me with and update and every time i call they say i will receive email within 24 hours..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland funding was collected a debt of {$2200.00} on account number XXXX. They collected this full amount through wage assignment receiving with the final installment on XX/XX/2021. They have not corrected the outstanding amount and it is negatively impacting my credit scores. I have disputed this amount but the responded that the full balance is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX  has been reporting erroneously on my credit file for a while now. I have paid off this accounts MONTHS ago and it is still reporting a balance. I just recently received a letter from them confirming the account has been paid. I'm am very irritated because this account has been paid for a while now and it still continues to affect my credit score an my ability to obtain financing. I need this account removed/fixed on my credit file ASAP.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$18000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Family Support Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As a consumer I have a right to an accurate credit file. The inconsistencies on my credit file dealing with this account are unacceptable and are obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
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 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I am writing this email in regards to an incident that happen on XXXX XXXX. I deposited {$1000.00} into a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX, TX XXXX Drive thru, the ATM had taken my funds, and didn't put it into my account, but it did print out a receipt that states " We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic Claims team at XXXX to discuss this transaction. I went into the bank on XX/XX/XXXX and they said they couldn't do anything for me, and I would have to just call the number that it said call. So I called and put in a claim and my funds were credited to my account, and this was on XX/XX/XXXX. On XX/XX/XXXX the claims Department stated they were successful in locating the original transaction, but they didn't locate the cash, so the credit that they had put on my account will be taking back from me. So I had the claim researched again. The claims department now states that they found the funds XXXX but only partial XXXX {$550.00} XXXX, and that the other {$460.00} will be debited from me on XXXX/XXXX/XXXX. I just find this very strange that at 1st they stated they could not find the funds and now they found it but only half of it, my question is what happen to the {$460.00} that they started they could not find. I have been a customer of Bank of America for over 10 years I have never had a problem with Bank of America. 

XXXX XXXX, in the claims department stated he was going to call me back on XX/XX/XXXX and, still haven't reached back out to me about my claim.

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 2022-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Capital one was FULLY paid, this was2018 i was a kid who didnt understand money, finances or banking i was only XXXX XXXX XXXX and I paid the entire bill soon as I understood what the account being overdrawn was from. 
This item has been paid years ago since 2018 and i am trying to open a business, and start my life and you are holding me back from doing that because you continue to keep this on my record but it is FULLY PAID OFF.. This is nonsense its been years since the account was opened, I demand this be removed or i will take legal action in additon, there has been no proof or correspondence explaining where all these fees came from, how they were charged and if they were correct nor who charged them. I have filed disputes and you keep ignoring them i demand this account removed from XXXX immediately without any further delay. This is absurd, harrassful and horrible to do, in addition i was treated unfairly by staff when i questioned these fees, and no one would assist me in learning the process or explaining the fees and process. YOU failed me at this level and i am demanding that the very least you remove this from XXXX XXXX today you have punished me enough I WAAS A KID who never had an account before i had no idea what i was getting my self into. if it is not removed i will go to social media, news, and take legal action and sue you! REMOVE THIS FROM XXXX XXXX RIGHT NOW- I WILL PUBLISH THE ABUSIVE MANNER YOU HAVE HANDLED A NIEVE KIDS EXPERIENCE AND MAKE IT PUBLIC SO PEOPLE KNOW NOT TO USE YOU AS THEIR BANK AS YOUR NOT TRUST WORTHY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-04-21
Company: EQUIFAX, 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:
There are 5 accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXXAmt {$22000.00} XXXX / XXXX - Acct # XXXXAmt {$710.00} XXXX XXXX XXXX -Acct # XXXXAmt {$8400.00} XXXX XXXX- Acct # XXXXAmt {$0.00} XXXX/XXXX- Acct # XXXXAmt {$0.00} Inquirires XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX/XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation