BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I checked on my homeowners insurance policy because I am planning to refinance. I find out that my policy was not paid through escrow on XX/XX/XXXX as required. Chase collects escrows and is responsible for this payment. They paid it in XXXX, no changes to policy/carrier/etc, but they did not pay it in XXXX. I contacted Chase - they state that they received the cancellation notice from XXXX, but never received a renewal invoice. This is suspsicious and likely XXXX  - all would have gone to the same address, and of course they received the renewal invoice in XXXX and nothing has changed. Regardless, they should have been proactive on the payment as they are the ones collecting escrows and are obligated to keep my insurance active. Chase was incredibly obstinate and unhelpful, and is refusing to refund my escrows even though they are collecting money from me without paying the required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX risk department froze my checking account and closed it. I was told by numerous XXXX XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX  XXXX XXXX has reported the hacked accounts to ChexSystems and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.

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 2021-01-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal won't transfer my funds to my bank account. PayPal charged my bank account directly to refund an XXXX  XXXX  ( without my consent ), while placing the funds originally paid by the customer on hold. Why didn't they refund with the money on hold? I've been waiting for them to transfer original funds which have been on hold for a long time now. Customer serve and chat representative are technically nonexistent. This entity is disgusting! I encounter a problem every single time I have to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MO
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 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, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

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

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 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Last week on XX/XX/XXXX around XXXX I got a call from unavailable number and so I answered it and a lady asked me name and last of my last digits of my social security number and I asked Who is this? She said some name It could have been fake and I gave the last digits and she gave me a 5 digit number hold on. Then a male got on the phone and re asked my name and that I was going to be served some court papers and he worked For XXXX XXXX XXXX in XXXX NY and he asked for my email address and mailing address. I asked what is this for? He said a XXXX loan for the sum of {$1400.00} and I informed him I spoke to some one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA the week before about the same XXXX loan and they mail me 8 pages of contact information will no amounts from XX/XX/XXXX. I hung up the phone and XXXX the company. I found out that in this company XXXX XXXX XXXX is not accredited with XXXX and out of business with a government action in XXXX XXXX New York State General with district court regarding illegal Nationwide Debt collection scheme and mispresented to consumers that hey owed sums they did not own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To Whom It May Concern : I am writing to file a formal complaint regarding an incident that occurred at XXXX XXXX XXXX  in XXXX XXXX, New Jersey, on XX/XX/2023. On this date, I attempted to withdraw {$51000.00} from my account, but the bank did not have the available funds for withdrawal. I was informed that my only option to obtain my funds was to pay a {$10.00} fee for a cashier 's check. 

When I spoke to the branch manager XXXX XXXX XXXX, I explained the bank 's shortcoming and requested that the fee be waived. However, I was informed that the fee could not be waived, despite the bank 's failure to provide the requested service. I found this to be unacceptable, as I did not want to pay an additional fee for a service that should have been provided to me without any extra charges. 

Furthermore, I tried to close my account, as closing the account would allow me to obtain my funds free of charge. However, the branch would not allow it due to an incoming pending money transfer. The branch advised me to call Capital One and ask for my money back. When I called, the Capital One representatives were unwilling to reverse the fee, despite the bank 's failure to provide the service I requested. 

I believe that this incident is a clear violation of the Consumer Financial Protection Bureau 's regulations, as the bank failed to provide the service I requested, and then charged me an additional fee to obtain my funds. The branch 's unwillingness to waive the fee and the Capital One representatives ' lack of willingness to reverse it only compounded my frustration and dissatisfaction with the situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Capital One Bank for their violation of consumer rights. I also request that Capital One Bank refund the {$10.00} fee that I was charged for the cashier 's check. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXXXXXX XXXX allowed illegal unauthorized fraudulent transactions and charges and I submitted XXXX police XXXX. And other evidence investigations and reports of the illegal unauthorized fraudulent transactions and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
LexisNexis, please tell us why this was returned and our request was not processed. 
As a couple, we do most business transactions together. Our names are listed on the proof of address, with individual IDs showing our current address. 
If this is not completed as requested, I will file an FTC and/or CFPB complaint. Why is it necessary for us to use two stamps and two envelopes? 
If there are any questions, you have our individual phone numbers to call rather than DELAY our rightful consumer requests!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2023-11-18
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit bureaus are reporting against DC police reportXXXX showing that XXXX XXXX XXXX reporting negative is incorrect and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Titanium Funds
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022, at approximately XXXX XXXX. Pacific time, I received a call from XXXX related to an attempt to collect a debt allegedly owed by my sister. The person on the phone identified themselves as working for Titanium Funds. The call violated 15 USC 1692b, 1692c for the following reasons.

First, the caller identified her employer ( Titanium Funds ) without my " express request, '' in violation of 1692b ( 1 ).

Second, in identifying her employer, the debt collector implicitly revealed that the call related to the collection of a debt, in violation of 1692b ( 2 ), not just because the name of the company itself discloses the nature of its business, but also because Titanium Funds publicly holds itself out as a " Consumer auto lender in Utah. '' Third, the stated purpose of the call was not to collect location information. Instead, the debt collector told me she wanted me to pass a message along to my sister ( whom the debt collector identified by name ). 1692c ( b ), only allows communications with third parties for the sole purpose of collecting location information : the debtor 's usual place of abode, the debtor 's telephone at that place of abode ( i.e., a landline telephone number ), or the debtor 's place of employment. The debt collector did not ask me for any such information. She asked me to communicate a message to my sister, in violation of 1692c ( b ). 

I informed the debt collector that I understood her call was not allowed under debt collection laws and that I would not act as a middleman in delivering messages to family members. I then terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Chime Financial Inc
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:
XXXX unauthorized transactions were made using my debit card totaling a significant XXXX. The first XXXX were made on XX/XX/2022 in the amount of XXXX for a " XXXX XXXX '' and XXXX for " XXXX XXXX XXXX ''. The XXXX transaction was XX/XX/2022 for XXXX. My phone was stolen and either my card cloned or numbers used. I contacted Chime Bank about this. The disputes were closed in less than XXXX XXXX which isn't sufficient time to investigate XXXX transaction claims. I supplied supporting documents like the police report I filed. My identity was XXXX in XXXX and I had to file a police report due to this and freeze my credit file. They believe these XXXX transactions are also related to my identity theft and police are investigating this crime. Chime didn't review sufficiently my documents I sent and just denied all XXXX unauthorized transactions- without proper investigation. They also misquoted what I said in the dispute- I said someone had access to my numbers but not the card via my stolen cell phone. They never provided me a proper denial letter which is required under regulation XXXX I need provisional credit while a proper investigation is conducted. They just denied it without any investigation and I will seek legal action if it's not dealt with properly. I'm a XXXX XXXX loyal Chime customer and so disappointed. Please help me resolve this or it will go to court as Chime isn't following correct business practices for denial letters under regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: KEYCORP
State: WA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX their credit card from XXXX XXXX XXXX First National Bank of Omaha XXXX When I paid my XXXX bill I sent the money to XXXX rather than XXXX. After receiving a XXXX statement I paid a late fee & interest because I thought maybe the payment didn't arrive in time. I did not owe the interest or the late fee because it was paid on time just to the wrong bank. I called XXXX times and faxed proof of payment and the collection calls and emails continued. I just got another statement and they are charging me another {$45.00} in interest and late payment fees.

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 2018-10-14
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:
Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and Transunion has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother recently passed away on XX/XX/23. On XX/XX/XXXX, I received the letters of administration & forwarded them to my mom 's banker same day and told her I wanted to pay off her Truist credit card immediately which was due XXXX. Instead of replying in a timely fashion while still holding my mother 's accounts closed, Truist turned the account over to XXXX collection agency! They called me from a scrambled number and insisted I owed them and Truist was their client. When I checked with XXXX XXXX at Truist she said I had to pay them. As soon as she released my mother 's funds, I opened an estate account and paid all my mother 's bills. I sent a check to XXXX and they refused to cash it. After 7 days I called them and they scoffed at the starter checks that every other creditor had cashed, and told me I could not sign the checks " The Estate of XXXX XXXX XXXX '' which is how the bank told me to sign the checks. They refused to deposit the check! and then extracted personal information from me in a very sleazy way, insisting they want to make an ACH withdrawal from the estate account now. I am not comfortable with this XXXX and I am XXXX that they refuse to cash the check, and have the nerve how to tell me to sign it. I am only trying to pay the bill off in full!

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 2022-10-13
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation