BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
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: Investigation took more than 30 days

Complaint:
I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the XXXX data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.

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 2022-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of a scam that phished my business checking account with small charges to XXXX XXXX over 60 days with long periods between the charges. After the 60 days, large charges were made : XX/XX/2021 for {$590.00} followed by XX/XX/2021 for {$2500.00} and XX/XX/2021 for {$120.00}. 
I discovered the XX/XX/2021 charge and called Wells Fargo to report the fraud. I also discovered the two XX/XX/2021 charges that were " in process '' and had not yet posted to my account. These charges should have been rejected but were allowed to post on XX/XX/2021. Wells Fargo said that was normal and they would then be reversed. Wells Fargo did not reverse them. In addition these charges were allowed even though my debit card had been turned off AND there were insufficient funds in the account. 
In all there were 11 XXXX XXXX charges made without a card present for a total of {$3500.00}. There were never any charges to XXXX XXXX approved by the owners of this account. 
Wells Fargo investigated my claim and denied all claims that occurred outside the 60 days per their policy. They returned {$45.00}. 
This account currently has a negative balance- {$770.00} To reiterate, while I understand the 60 day liability policy, the 3 charges on XX/XX/2021 and XX/XX/2021 should never been allowed to post ( unauthorized purchase, account disabled, insufficient funds and fraud reported ). Wells Fargo 's unethical business practices should be further investigated.

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 2023-08-05
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:
I've been trying to resolved this for month. Transunion is illegally reporting information. They are breaking at least 3 credit laws. I NOW have notarized my complaint. Please remove from my credit report.

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 2023-01-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As of XX/XX/XXXX, last updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX is reporting a pass due balance of : - {$120.00} - {$420.00} on my Consumer Credit Report. 
I do not have a contract with XXXX financial. 
This is a violation of 15 U.S. Code 1692j ( a ) Please note on attached document XXXX is not the original creditor Furthermore this account is being reported as " Loan Type - Collection Agency/Attorney Violation of 15 U.S. Code 1692e ( 3 )

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 2022-02-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I wrote a check ( check number XXXX ) for XXXX payable to XXXX XXXX XXXX for which my Chase account had sufficient funds. Six days later, I received a notification via my online banking account that the check had been returned, without any reason given. 

In speaking with Chase customer service and fraud departments, I was given the impression that my check was help for fraud reasons and that I needed to contact them to verify. However, I received no notification of this need ( no email, text, or mobile banking alert ). 

The check ultimately went through, though as is customary I was charged {$25.00} for it initially being returned. Despite my account having the funds necessary and no effort being made to contact me to verify the legitimacy of the check, Chase is refusing to reimburse the return fee charged by the other business. 

I have spent roughly 6 hours speaking with Chase trying to resolve the issue and determine how I was supposed to know of the need to verify the check, but have been given no answers. I'm simply told " there was an alert on your account on XX/XX/XXXX, '' even though the only communication was on XX/XX/XXXX via the message saying it was returned. 

This process - denying a check for which there were sufficient funds, not attempting to contact me prior, and then not reimbursing me for the return charge associated with the check- seems highly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Today XX/XX/XXXX I received a bill for {$25.00} from XXXXChase which is already a part of an ongoing previously filed CFPB Compalint filed and still showing as Open and sent to the Creditor within my index of complaints. So I phoned that individual charged with that ongoing investigation at XXXX XXXX XXXX ext - XXXX whereupon I did my best to get either an explanation of this precise amount as not a single bill shows such a purchase for that amount ( {$25.00} ) on any or an unspecified date with an unspecified purchase. There are still two ( 2 ) unresolved disputes previously filed for {$18.00} ( XX/XX/XXXX posted ) and {$22.00} ( posted XX/XX/XXXX ) equaling {$41.00}. I was told that I needed to dispute that sum { {$25.00} } after numerous attempts at explaining to that investigator that I am positive I do not owe that sum and have no reference of such a purchase. I inquired if that sum was a part of his investigation but still can not gain enough insight as to what the fee is for except it has been said it is the difference between what I was previously billed and what is presently owed BUT WAIT there are two continuing UNRESOLVED DISPUTES for a total of {$41.00} to my best knowledge and belief so I contend I am actually owed a reimbursement of the difference between {$41.00} and {$25.00} or {$15.00}. All manner of ridiculous " dispute mechanisms were asserted by Customer Service whom I called after such direction from that Investigator Charged with the prior CFPB investigation, but none made sense and I could not attest to the facts she wished for me to allege as they didn't agree with and were in conflict with the TRUTHs which I again state hereinabove. So if there are pending disputes which " I am not obligated to pay until the conclusion of that investigation '' or " fees plus interest until the completion of that Dispute process '' why am I receiving a Statement demanding payment XX/XX/XXXX? For completely unspecified charges. THIS IS WRONG and a VIOLATION of the FCDRA I refuse to pay the unevidenced claim until such time as an account is provided which reasonably displays why that sum is due and all prior disputed sums either discharged or otherwise eliminated. Statement date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-22
Company: EQUIFAX, INC.
State: WA
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 have XXXX  XXXX XXXX XXXX, that's I did not authorize on my credit report that is showing negative inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CBC Companies, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
During my XXXX  buying process, XXXX XXXX XXXX XXXX Colorado ( lender ) informed me that I have XXXX Judgements/Liens. I did not recall having any sort of liens or judgments. I asked for the XXXX case numbers and also the name of the vendor that reported them. I was informed, XXXX XXXX XXXX XXXX Colorado, that " Data Verify '' furnished the report to them via a system called XXXX XXXX platform ''. Upon research and court records I have found the information found to be damaging and inaccurate. 

Please note that none of these Judgements appear on my credit report. Also, please note that I am supposed to close on my home XX/XX/XXXX and the information that you are reporting is inaccurate and is causing me undue XXXX  and XXXX XXXX However, I understand that this is an error, so I don't blame XXXX XXXXXXXX 's XXXX XXXX platform '' completely as we all make mistakes and sometimes software has errors. I would like to resolve the matter informally with no harm or foul to either party. 

As a homeless and totally XXXX XXXXt, it is very hard for me to find a home and I am not sure if me and my XXXX will have this opportunity again. So hopefully we can resolve the matter informally. 

Please see the Inaccurate reporting accounts that are causing undue financial and mental duress : 1. XXXX XXXX XXXX BANK XXXX XXXX Case # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This is not true ; as this case was dismissed on XX/XX/XXXX ( Please See XXXX ordered dismissal attached ). This account actually belonged to my recently deceased XXXXr XXXX XXXX XXXX ; I suppose this is why the error happened as well. Please remove this account from your records as it is causing me undue XXXX XXXXs and preventing XXXX XXXX XXXX XXXX from furnishing my home loan. 

XXXX. Creditor : University XXXX Tennessee XXXX # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This was a XXXX XXXX that was satisfied due to my military related XXXX. Hence the XXXX XXXX XXXX  has recorded this debt as satisfied. ( Please see attached letter from the XXXX XXXX XXXX ) Please remove this account from your records as it is causing me undue XXXX XXXX and preventing XXXX XXXX XXXX XXXXo from furnishing my home loan. Please see the points of contact for this account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Building XXXX, TN XXXX XXXX XXXX Here is the legal Point of contact information : XXXX XXXX XXXX ext XXXX Email : XXXX Please see my attached XXXX XXXX Identification and Supporting Documents Very Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2022-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XXXX XXXX i contacted my bank which is Chase bank better known as JP Morgan to process a wire transfer of 2000 to purchase a car from the company XXXX I asked for assistance on how to go about doing this however none was really given, i proceeded to process the wire transfer to the company of Tresl the account number given to me by the company was : XXXX routing number XXXX the wire transfer was received according to chase bank on XX/XX/XXXX the company XXXX informed me that the account listed does not accept wire transfers as it is an ACH account I have all emails received from the company XXXX i reached out to my bank to cancel the wire transfer or as chase called it recall the wire transfer which failed I am caught in the middle of all this I want my money back into my account and chase is refusing to do so, i find this wrong and i want my money back i have since sent a 1000 down payment for my car and the 2000 according to tresl was received i asked chase XX/XX/XXXX to provide information that the 2000 was not received via wire transfer so far they have not provided that proof i have reached out to XXXX and the same thing so i am convinced this is in fact some sort of fraud/scam and i want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the XXXX repayment plan on a joint application with my spouse through XXXX, and my payment went up from {$260.00} to {$550.00}, when XXXX had estimated my payment to go down. 

On XX/XX/23 they said that my new monthly payment would be {$170.00}, and then on XX/XX/23 they sent another letter saying that my payment amount chenged to {$550.00}. 

When I contacted XXXX for support with this, they recommended that I file a claim with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation