BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the company XXXX XXXX XXXX since XX/XX/2021 my balance due and retrieve my belongings before it went to auction. I provide receipts and proof of payment. ICS credit collection refused to remove item from my records and is claiming that i owed the balance {$850.00}. The storage company has attempted to report that has been paid but collection clients services is basing on a third party to get auction list and information. This has caused lot damages and pain to my credit and has prevented me prom accede to loan for my business or get a house mortgage collection company Company : I.C. SYSTEM, INC Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm a discover cardmember since XX/XX/2016 and made 100 % timely payments, but on XX/XX/XXXX I made a payment in the amount of XXXX and because of a frozen bank account it didn't go trough.. so i re-did a payment on XX/XX/XXXX from a third party bank account but because a other check came in in the same time the payment was returned.. so I did over the payment on the XX/XX/XXXX and THANKS XXXX   everything went smoothly, but DISCOVER closed my account cuz of this payments, was on the phone with them for almost an hour and they kept on transferring me to other departments on & on ... and the main they said they cant re-open the account they just closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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:
I was checking my credit report and I dont see any changes. I already told you that these accounts are not belong to me. I think that someone have my personal information

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 2021-12-24
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX BANK 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 explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2023-04-05
Company: EQUIFAX, 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:
I sent a complaint to XXXX XXXX and Equifax on XX/XX/2023, and it has been well over 30 days. 

I still haven't received anything back from two of the credit bureaus, according to 15 USC 1681 ( A ) ( 1 ) ( A ) XXXX, XXXX, Equifax have 30 days ( about 4 and a half weeks ) to respond, this is a violation of my rights.

Complaint IDs listed below. 

XXXX - XXXX ( XXXX ) XXXX - XXXX ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer of {$3600.00} to a vendor to pay for medication through Chase XXXX Transfer on XXXX, XXXX. The funds were supposed to be available to the account I sent the funds to on XXXX XXXX. Today is XXXX XXXX and the funds are still not available. I have tried to call Chase multiple times to investigate and they have not responded. I have also emailed. I am getting no assistance in locating the funds or the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Okay so I am on the fraud list and need to be taken off. The amount I owed has been payed, USAA says that my account has been cleared and that I should be taken off the early warning system. I am in the military and because I am on this fraud list no bank will accept me and I got checks that need to be cashed rather than sit around until they expire. If you can could y'all speed up the process of updating the list or take me off the list. Please and thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Direct Recovery Services, LLC
State: NY
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:
Direct Recovery Services contacted and left voicemails for me on my mother 's number. There, it identified my name, my account number, the name of this business, and the fact that I owe money. This is not the first time they have done this. I have no clue what these people are after, because they've never written me anything explaining what debt they're allegedly trying to collect, nor have they informed me of my right to dispute. They keep calling nearby individuals, including my Mom, Dad, and brother at this point, and now they've left voicemails, despite me having told them to stop when they first tried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I am here to explain to you guys the crazy week ive had. On XX/XX/23 I paid an email given to me by a small local contractor business for property management through zelle. The email given to me was misspelled and I sent XXXX different payments to this misspelled because I did not know it was misspelled. XXXX payment being {$3500.00} on XX/XX/23 and the other being {$1000.00} on XX/XX/23 through Zelle. I bank with XXXX XXXX XXXXXXXX and have contacted this issue and was told to contact Zelle but Zelle said nothing can be done. The small local contractor business was never paid and told me they had misspelled the email and had apologized to me. I have worked with this company before and they are very apologetic for what happened with their error. I am here because under Regulation E I am entitled to my rights as a consumer. The money in total of {$4500.00} was sent to the wrong email which is XXXX which was not the correct email it was supposed to be sent to. I wanted a charge back or some sort of reach out to that bank to have my money returned to me so I can send it to the correct person which is XXXX ( XXXX ) XXXX. I have contacted XXXX and have not received an answer back and I believe they are keeping the money, and are most likely spending it illegally without my consent. I did not authorize that person to receive my funds, it was intended to a whole other purpose but a small mistake of a misspelled email is why I am here. Please I need your assistance in receiving my funds back in order to pay the company I intended to pay. I have evidence below of bank statements and Zelle confirmation numbers to help you investigate my case. I have also requested the money from incorrect Zelle that I sent it too, but I have been left ghosted for my request of money I had sent. Hope to hear from you guys soon as possible, I really need my funds back, especially the person who received my funds had no obligation to receive or spend my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it concerns, I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. 
The account from XXXX XXXX XXXX XXXX is resulting from Identity Theft should be blocked from my credit report. The account number to this account is XXXX Please block this information from my credit reports, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 




Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from fraud within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 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.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the 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 2021-12-24
Company: Experian Information Solutions 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:
I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were Never 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 explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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:
A loan through XXXXXXXX XXXX was paid off on XX/XX/2023. I sent in a bank statement to all three credit bureaus showing the balance was paid off {$1900.00} on XX/XX/2023 but when the dispute is returned to me it keeps stating nothing has changed and that I still owe the entire balance. and was verified by the lender which I find ridiculous. I am working with a mortgage lender trying to raise my credit score. but this is impending my progress. I need this resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I experienced fraudulent charges on my account on XX/XX/XXXX. I immediately filed a claim in the amount of {$4200.00}. Wells Fargo not only filed the claim incorrectly but cost me XXXX of dollars in time with their unprofessional service. I then went to the bank to file a complaint. Within a week of no warning or communication, my debit card was canceled and a temporary credit in the amount of {$4200.00} was placed on my account on XX/XX/XXXX. I called to find out that they had refiled the claim, correctly this time, in the amount of XXXX. Claim ending in XXXX. From that time, I spoke with 5 different representatives. Three from the claims department and 2 from the executive office. the two claims representatives that I spoke with on XX/XX/XXXX and XX/XX/XXXX informed me that the claim was being finalized in my favor and that the temporary credit of {$4200.00} was not a permanent credit. I asked for additional confirmation several times on a recorded line due to receiving misleading information since the original claim had been filed back in XXXX. I was told that the information was true and correct and that a letter stating this information would be mailed out to the address on file on XX/XX/XXXX. Now, today XX/XX/XXXX, I spoke with claims representative number 3, and the information that I have received is completely different with zero resolution as stated before. I am extremely frustrated dealing with this misleading fraudulent company. I am requesting an investigation be opened and have contacted the executive office once again to file a new complaint.

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 2023-10-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In the middle of XXXX I requested to update my XXXX name on WePay, which is a third party payment provider for my XXXX website. I prematurely did so because I was unaware that I had to send in the approved documents from the state to the IRS. Once I realized this, I went back into WePay, requesting to change back to my original business name so that they can release over {$25000.00} of my sales that they have been withholding since XX/XX/XXXX. There is no direct customer service - So Ive got a escalation number and have been talking with someone but they have to email back and forth with the trust and safety team. I uploaded all the proper documentation that matches the information was previously registered under. We have using WePay since XXXX & they have sent over {$1.00} XXXX dollars in sales since then. Now they keep resetting my information and will not accept or verify my documents & There is no one I can talk to directly that can tell me what the real issue is. My business is on the verge of collapse. I could not process payroll this week, I had to tell my staff that we can work next week & Ive had to tell all my suppliers to not cash any checks. I cant do anything, Im basically about to lose a XXXX - XXXX XXXX XXXX  due to poor customer service and direct answers from WePay. Ive gone to bank branches, Ive talked to everyone I possibly could and have sent in countless emails with all the documentation & information needed for them to release my funds and due to their incompetence they are still holding all my money & keep resetting my business information instead of reviewing it and approving it like it has been for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NC
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 XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX 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 XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.

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 2023-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting 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:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
As of XX/XX/2023, I have not been able to adequately provide and take care of my family. I opened a new checking and savings account XXXX of 2023, and when I the consumer went to take a look at my account in XXXX, it was frozen with a balance of XXXX XXXXXXXX. I received a payment of {$300.00} to those accounts after the action was taken. I am unaware of who the Debt Collector is, nor what debt they are trying to collect. HELP PLEASE.

Company response to consumer: Closed with explanation