BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im a victim of identity theft and I have fraudulent accounts and collections including inquiries on my credit report due to fraud. Ill file a FTC affidavit along with the other documents required to be with it. I read a article on the internet that said equivalent and XXXX is doing it he most but all 3 of my major credit bureaus only took two off from 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 2020-02-28
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I renctly refinanced and had my original mortgage paid off. I saw after it was paid off and my old escrow was returned to me the original servicer paid two payments to PMI. I called and asked about thia and they said that was normal. However i went bacl and read the docuuments from the original closing. I can't find this charge anywhere if i refinance.

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 2022-01-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
A sum of {$4100.00} was taken from my NFCU account between the end of XXXX and when I noticed it the beginning of XXXX. A company that goes by the name XXXX XXXX  started taking money from my account several times a day ; ranging from a few cents to {$100.00}. I didnt notice it until I was trying to buy something from the vending machine at my job & it declined. I then went to my mobile app & saw I didnt have any money. I immediately contacted NFCU, explained what had happened and they instantly cut my card off. I was told an investigation was underway and they would contact me with the results. A few weeks passed & no corespondents from them so I called them only to hear the investigation was completed and they had confirmation from the other company that the charges were in fact mine. I told them they werent & they said they would do another investigation. This was the middle of XXXX. I was called XXXX  XXXX XXXX and asked about suspicious activity on my account by another company thats when I asked about the investigation. They told me it was still pending and it would take 44-60 days. I let her know its been pending since XXXX. She then said just wait till they contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion has and continues to violate my Federally Protected Rights under the FCRA that is put in place to protect consumers from false, inaccurate reporting due to the banking system depending on maximum accuracy. I have contacted Transunion via phone and Mail in hopes of getting these Unverifiable accounts removed but Transunion employees failed to resonably investigate the issue. You failed to do so giving me a reason to believe my information is being tampered with XXXXMy credit Report suppose to be fair and equitable to me instead you are using it for you and your Business Partner Beneficial purposes.. XXXX XXXX stated they sent you a removal of the unverifiable bankruptcy account in XX/XX/2022 and you willfully are furnishing I have been disputing these accounts the past year and Transunion still fails to provide substantial proof of there claim theyve received. I have made several attempts to get Transunion to comply with their obligations under the FCRA. It is very clear you are deliberately and willfully negligent in resolving my issues. According to 15 USC 1681 a-5 unverified information must be promptly deleted. I am demanding you Remove the accounts in attachment. This falsely reported/ unverifiable information has negatively impacted my livelihood as a result of denial of credit and etc

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account # XXXX, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We received an email to our business from Chase Bank on XX/XX/2021 at XXXX notifying us that " we can not use your account ( s ), and we will close it soon ''. The email instructed us to read a letter in our Chase account under " Statements and documents ''. By the time we received the email on XX/XX/2021 at XXXX, our account was locked and we were never able to read the letter. As of XX/XX/2021, we have not received anything in the mail either. 

We have been calling the local branch to understand what happened and to withdraw our {$32000.00}. The branch manager has no information to share. We called the loss prevention department and spoke to a XXXX ( Supervisor ) who informed us that Chase can terminate the banking relationship at any time and for no reason. The supervisor further stated that Chase also had the right to withhold our money and therefore our money would not be returned to us. She offered the solution of us contacting our customers to see if their banks would be willing to draw back their deposits and the customer reissue the payment. This is not a viable nor acceptable option. 

Chase has been illegally holding our businesses money for six days not without any resolve. This has severly impacted our business and we are not able to pay our vendor invoices because they refuse to return our money. 

We have been Chase bank patrons with several business bank accounts all of which are in good standing. When we opened our business checking and savings accounts with Chase, we in good faith deposited our money with the understanding that it would be in safe keeping. WE DEPOSITED MONEY FOR CHASE TO LEND ON AND NOT TO STEAL OUR HARD EARNED MONEY FROM OUR SMALL BUSINESS. 

A simple XXXX  search will show you that this is a common practice for Chase Bank and their customers need to be made aware of such bad business practices. 

We need help in getting Chase to return our money and NOT ILLEGALLY HOLD IT FROM US. 

Thank you in advance for your help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out to Experian & XXXX  several times to remove old addresses or address information that is not accurate in my profile. There's one address on file that's over twelve years old and should be removed off my credit profile and they have yet to remove the old outdated address of my credit profile. This information is preventing me to move forward in my life for I do not live at this address any longer. It is also violating my rights under laws that prevent this from happening and they want honor those laws. The second address on my credit profile is an address that I have never lived and must be fraudulent. I am writing a complaint to you because I have provided Experian with the information and they claimed to have reached out to the creditors that or on file associated with these addresses, but have not provided me with the proper information to resolve the issue.

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 2023-01-04
Company: EQUIFAX, INC.
State: OR
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 account XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
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: Old information reappears or never goes away

Complaint:
To whom this may concern : My name is XXXX XXXX XXXX. I have written to the credit bureaus numerous times, in hopes of disputing incorrect information on my credit reports. I have reviewed all incorrect information, and each time I have been asked to contact each individual agency should I contest any findings. This is a time consuming process, in which each bureau should take very seriously. My frustrations lie in the fact that each bureau reports differently, including different scores. Most times different bureaus have outdated information, which should be updated once a dispute has been challenged with one of the respectable agencies. THIS IS NOT THE CASE!! 

The purpose of this letter is to inform you that, while I understand the need to fact check, some concerns DO fall short. As was the case with my initial dispute. On XX/XX/2021 at approximately XXXX EST, I reviewed my credit report. Per usual I looked over EVERYTHING attached to MY name. 
I came across a few unfamiliar addresses. One of the addressed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX. My XXXX search yielded a name of XXXX XXXX, and a business name of XXXX XXXX. 
A number did pop up of XXXX. A woman answered by the name of XXXX. I inquired, why my name was attached to her business. She advised that she was physically located in Arizona. For this reason this company should be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OR
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 account XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-02-28
Company: CITY NATIONAL BANK
State: MA
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:
I signed up for the City National Bank Crystal Infinite Visa in early XX/XX/XXXX. I attempted to close my card on XX/XX/XXXX before the annual fee for the following year posted. I had to call in, and the representative warned me that if the fee already posted to my account they would not refund it. The fee had not yet posted though, so I asked to immediately close my card. City National Bank did not immediately close my card though. They held it open for over a week, charged me the {$400.00} annual fee, then closed it around XX/XX/XXXX. 

Since I had to pay the annual fee anyway, I asked to reopen the card for the second year, but they would not do that either. I've called both the credit card team and my " relationship banker '' several times and have not yet received a resolution. 

I've attached my XXXX statement, which shows it closed on XX/XX/XXXX, the date I called in to close my account. I believe CNB behaved deceptively by holding my account open for an extra week to charge me the non-refundable annual fee. 

Additionally, I tried to change my mailing address on three separate occasions and they never complied leading to all of my statements being sent to a previous address. I'm not even confident they will send a refund check to the right address at this point.

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 2020-06-04
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I Have banked with Paypal for seven years recently suffered some financial situations Where I lost my wallet and phone and unauthorized charges were made which overdrew my PayPal account and placed limitations Despite having nothing to do with these payments I paid PayPal through the debt collection XXXX to lift the limitations on my account they received said payments and said that they lifted my limitations and that I could continue using PayPal how I always have on top I provided identification and have all necessary Accounts and credentials to verify identity recently received my pandemic unemployment assistance direct deposit to my PayPal they approved said deposit and gave me a balance of XXXX Which Is under my name and further proves authenticity and verifies its self I paid all my dues prove my identity and they said there are no security issues hindering my account but they wont let me buy send or transfer nor withdraw my money saying it is a security issue They have no call centers open due to COVID-19 very Unhelpful and unprofessional customer service and can not give me a specific reason as to why I can not take out my money. They insist on putting holds on any transaction To be sure that there is enough balance to cover knowing well that there is because they are the ones who accepted the direct deposit in the first place I cant pay my bills they do not want to override holds knowing that funds are present and insist on treating me as if I were a criminal Putting limitations where there should be none as I stated I verified identity and paid my dues yet I can not access my account features nor withdraw my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please know the information on my credit report is not correct. I've listed inquiries and accounts that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2020-02-28
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I owed {$230.00} on a medical loan card. I paid the remainder, they're saying i still owe. I reached out to them to resolve it, my complaint wasn't accepted. Can you please get them to stop calling me and put it in paper. Sincerely yours, XXXX XXXX.Thanks

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 2020-02-28
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:
XXXX  XXXX XXXX  is reporting late payments to all three credit bureaus euquifax, XXXX  and XXXX. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: OPTUM BANK, INC.
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had an XXXX Account with Optum Bank for a number of years while I was working for my former employer. After obtaining new employment, I began being charged a {$2.00} monthly maintenance fee on my account. Since I established as XXXX Account through my new employer, I called Optum Bank and inquired whether I could transfer the remaining funds to an XXXX account with a different bank to avoid incurring the monthly maintenance fee going forward. I was told to complete a form and fax it to Optum Bank. At the time that I made this inquiry, my account only had a low balance. I was never informed that there would be a {$20.00} fee associated with making the transfer. The form I signed made no mention of the transfer fee or indicated my agreement to pay fees for the transfer. Therefore, I was caught off guard when I received notice that only {$100.00} was being transferred to my new XXXX account and that Optum Bank was retaining {$20.00} as a transfer fee. 

Customer service at Optum Bank profusely apologized and said no funds should have been transferred without my consenting to the {$20.00} transfer fee. Customer service told me that Optum Bank prohibits customer service, including supervisors, from refunding the {$20.00} transfer fee under any circumstances. She said that there is nothing that can be done at this point to get the {$20.00} transfer fee reversed. 

The {$20.00} transfer fee is unconscionable. Had I been advised about the fee, I would have opted to continue using the account until the funds were fully spent, even if it resulted in a monthly maintenance fee of {$2.00}. 

I would like a refund of the {$20.00}, so I can use it for medical expenses rather than for a payment of an arbitrary administrative fee that I never agreed to pay.

Company response to consumer: Closed with explanation