BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 INFORMATION WITH TRANSUNION AND THEY FAILED TO CORRECT THE ERROR BUT ADDED FALST INFORMATION TO MY CREDIT FILE. 
THE ACCOUNT UNDER THE NAME OF XXXX WAS NEVER LATE, PAID ON TIME AND CLOSED OUT. THEY CHANGED THE STATUS TO CHARGE OFF WHEN THIS ACCOUNT WAS NEVER CHARGED OFF. THIS ACCOUNT WAS NEVER LATE, THIS ACCOUNT WAS CLOSED BY THE LENDER BECAUSE THEY CHANGED THE NAME OF THE COMPANY. 
AT THIS POINT, I AM READY TO SEEK LEGAL COUNSEL AGAINST TRANSUNION DUE TO ALL OF THE ERRORS THAT ARE ON MY FILE AS WELL AS THE ONES THEY REFUSE TO CORRECT. 
THIS ACCOUNT WAS NEVER CHARGED OFF!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Paypal Holdings, Inc
State: PA
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 was unexpectedly and permanently blocked from my PayPal account with no explanation and I have not been able to receive help from customer service, despite their best efforts. I answered all the necessary requests that the PayPal team asked for and still they do not provide me with help and have abruptly shut down my account. I am aware of how important it is to have time-sensitive account reviews in order to keep PayPal a safe platform for both consumers and merchants. I have always stayed true to the company 's policies and user agreements, just like I did when I signed up for the account. My account was only temporary restricted, but I have not violated any user agreements or done anything that could lead to the permanent restriction. I would like to ask PayPal to reopen their investigation of this issue and help me restore access to my account. My PayPal account is connected to the email XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was trying to log in to my CHASE credit card account. I was redirected by a page saying i was logged out due to a security issue. I was directed to call a XXXX # and was then speaking with someone regarding a charge to my account for a purchase for {$200.00} on XXXX. 
I HAD NOT MADE THIS PURCHASE so I continued to listen to how to get the money refunded into my account. 
Then another charge was made TO MY CREDIT/ DEBIT CARD ; this was for {$300.00}. I was able to see these transactions and thought the were illegitimate charges. while following directions he took over my pc, but " accidently '' returned {$3000.00}, not {$300.00}. When this happened I told him to just refund what I was owed and be done with this transaction. He told me I could not do that, I would have to go to XXXX or XXXX and get debit cards to pay them back the $ I was given by mistake. I told him I was not able to go to the store for this and he got mad and I told him I would not be going and hung up! My computer is still trying to update with his scamming program. I do not know how to stop it. I turn off the computer when it starts " updating '', but it is still doing this. 
I have contacted CHASE and they are replacing my card, but not sure which accounts they may have gotten into. I actually saw the {$3000.00} deposit in my checking account. It is not there now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXXXXXX. Please correct and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2000.00}, XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX  XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I booked a flight through Chase travel. The flight was on XXXX XXXX XXXX, and the airline subsequently cancelled the flights due to Covid. Chase travel offered me a refund option, which I took. On XX/XX/XXXX I received a note saying that they will refund me the money in 1-2 billing cycles. However, the money never came. I called to inquier about this on XX/XX/XXXX, and they said that they will " review the information ''. On XX/XX/XXXX I called again, and received the same response. They also falsely told me that the airline had already 'refunded the money '. Instead of the refund they offered me " XXXX chase travel rewards points '' to compensate me for the issues I was having. The bonus points also never arrived!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MO
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 my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have reported this problem before a few weeks ago and Wells Fargo only prays on me when my acct balances are low. But now on both accts they assessed overdraft fees on items that did NOT cause my acct to go negative due their excuse of " night time processing ''. One acct ending in XXXX, they assessed a {$35.00} insufficient fee balance after auto transferring a {$1.00} to clear the item that posted. My balance on the acct at the end of the day was {$0.00}. Then they posted a {$35.00} NSF fee and now my other pending transactions that I deposited money in my acct for them to clear will be insufficient causing me to accrue more fees. Again on my end, my account only ever is shown in the positive. Secondly my account ending in XXXX. Same thing. {$25.00} purchase for gas, my balance was {$27.00} at the end of the day. Next business day, {$35.00} nsf for that purchase and now my account is negative again, causing my pending payments that I have deposited sufficient money in my account for, to be insufficient providing them a chance to charge more nsf fees. I have called them on several occasions over the years for this occurrence. Just would like to remind you this used to never happen to me until they were sued for it happening to other people. Secondly it only happens when my funds are low, but NOT insufficient. Even if they are insufficient in one acct. But I have XXXX in another acct, they will not assess these charges. All deposits were made in time for their auto rewind program. The only thing that did happen was I received notifications to deposit or transfer funds within timeframes THEY allow. It would be different if it was consistent, but its only when I have low balance, but again not insufficient, at least what i am shown online and in my app. When this happens they change their rules. I would like to request this back be investigated for predatory tactics on low income individuals and minorities. Seeing how their was a mass lawsuit against them on inappropriately applied bank charges.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter 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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had no knowledge of this account and did not give permission nor consent to open the account. My personal information was stolen and has been used to open various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I have a credit card w/Bank of America. I paid it off before the due date, but they still charged me interest on the next statement. I immediately called and cancelled the card since I had paid all the money I owed them for purchases. I told them that I would not pay interest on a balance that was paid off prior to the due date and, if they would not reverse the charge, then send my account right over to collections because I would not be giving them another penny. The following month, they charged me interest on the fraudulent interest from the prior month AND a late fee. I called again and sent a letter to stop compounding the interest and late fees on a fraudulent interest charge. I have called two more times since then, too. They admit that my account has been closed since my initial call, but they said they would keep charging me until I paid it and also keep hitting my credit report.  As a result, my score has gone down over 100 points, and I just got another bill today. The original fraudulent charge has ballooned from about {$30.00} to almost {$400.00}. It's predatory to keep charging me late fees and interest on a disputed charge ( which they've never addressed or investigated ), and it's ruining my credit. I want them to stop charging me and clean up my credit report. I also want them to reverse the original {$30.00} fraudulent interest charge.

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 2023-11-27
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX COMENTITY BANK JARED XXXXXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
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: Investigation took more than 30 days

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.

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 2021-05-04
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has posted a collection account to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: KEYCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was 2 % for the first 5 years and then adjusted to 4 % for the rest of the 30 years. This was with XXXX XXXX bank. Now, Keybank is trying to twist the wording of the contract to say it can not go any higher the 4 % per year. This is incorrect as it also says it can not go any lower than 4 %. The reason it's called an adjustable rate is because it adjusted from 2 to 4 %. I was told by the loan officer that it was going to stay at 4 % for the life of the loan. Now, Keybank is trying to raise my interest rate at a time when inflation is sky high. I called them on XXXX and they weren't budging. I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquires that I do not recognize. 

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Got a chase bank cash advance on my XXXX credit card ( since closed ) I paid it off in full 3 days later. Teller wasn't aware of Chase Bank policy that you can't pay off a Chase Bank cash.advance until 30 days after the next statement comes out, and by mistake she accepted the payment, but posted it against my regular credit card balance. This caused my interest rate to spike to 29 % Chase is still asking my to pay the balance of {$1500.00}. They made this card 0 % interest, but never got rid of the excess interest chargesXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation