BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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: Account status incorrect

Complaint:
My insurance paid off my XXXX after an accident but XXXX XXXX has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through credit karma it says that it has been paid off and dispute has been resolved! I also got a letter from XXXX XXXX saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!

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 2022-12-10
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly ask for proof of this debt. It was on XXXX and was returned to the debtor as not owed. I dont know what to do!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PURCHASED A MICROWAVE OVEN IN FALL OF XXXX  FROM HOME DEPOT. CITIBANK HOLDS THE CREDIT DEBT FOR HOME DEPOT XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX XX/XX/2021 PAID XXXX I did not realize I had an old Home Depot account with a XXXX balance in my bill pay and made both XXXX payments to that account. I started getting calls from Citibank for this debt back in XXXX. It was constant harrassment. I was on a cruise in the Atlantic and told them that but they continued to call several times a day. 
In XXXX I spoke with a person from Customer Service and we straightened it out, so they said and waved the late fee. 
In XXXX the harrassing calls began again. Citibank wanted 2 months late fees now. I talked to " XXXX '' in Customer Service wto stated late fees were taken off because the account was paid. I asked him to close any and all Home Depot Accounts ( the old one was supposed to have been closed in XXXX ). Now in XXXX XXXX they have started again. 
I AM XXXX WITH XXXX XXXX AND STAGE XXXX XXXX. I CAN NOT HANDLE THIS STRESS.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the documents provided. I want the bureau to commence an inquiry into these accounts, for which I have a perfect record of timely payments, yet they are being inaccurately reported as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX  account # XXXX has violated my rights. 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 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We were sent a text from Chase bank on XX/XX/22 that there was a XXXX payment of {$5000.00} and did we authorize it. We text No and then received an immediate follow-up call from Chase. It had the Chase number on the back of our card as the caller id. They said we needed to dispute the charge and walked us through how to do it. It was already queued up on our computer that a {$5000.00} charge was initiated. When we questioned the procedure he said to call the caller id number, which we did and it was chase bank. They locked our account right away. We told him this and he reopened it without our assistance. He then walked us through it again. They had access to our account and were able to manipulate the bank screen when they wanted to. They had to have inside access to Chase. We contacted Chase on the XX/XX/22 when we realized what had happened. We went into the branch and discussed it and filed a claim with the fraud department. By XX/XX/XXXX, Chase sent us a letter, which we have attached, claiming they weren't responsible. They let someone access they institution and take our money. We really need some help! They were able to take {$10000.00} out of our account. We were told that under regulation E they should be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX   & Knig ht Adjustment Bureau are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have not got a response from credit bureau regarding inaccurate public records.

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 2022-01-19
Company: Mortgage Research Center, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company made me quit my job and forced me to provide paperwork for a transfer to a new location. I was going to continue working in my current position until I could get a new position at the new location. I would have been staying in my old location moving stuff out of it and prepping for sale all while working. They told me they couldn't underwrite my loan in that situation. I told them a transfer wouldn't work the way they want it to work. They forced me to resign my current position by a certain date so I could move into the new place physically within 60 days if closing so I provided them with documents to show that intent. But now I am in my new location with two mortgages because I don't have the money to fix the old place for sale so I can't afford both places without the job I was supposed to transfer to. I work for the XXXX XXXX and was transferring to another XXXX position.

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 2023-07-26
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX, account # XXXX. 

15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnisha account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: ID Analytics, Inc.
State: TX
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:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: JPMORGAN CHASE & CO.
State: WA
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:
I purchased an engine thru an online website XX/XX/XXXX of 2019 for {$5800.00}. From a merchant in XXXX XXXX XXXX. I call Chase Visa in XXXX to dispute the charge because the engine had not been delivered. Several days later the merchant claimed he had a different shipper that could make the delivery. At that time I called Chase Visa to discuss closing the dispute. I specifically asked the fraud department agent if the dispute could be reinstated if needed, as I was suspicious of the situation. I was told that I could. By XXXX after many missed delivery dates by the second shipper I called Chase Visa to dispute the charge again. The claim was denied without explanation. I called and faxed in the dispute information 5 times. The last time the claim was denied I was told the reason was because I had closed the dispute in XXXX and it could not be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Ovation Financial Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Ovation Services billing statement clearly states that additional payments that are received for the principal only will be applied to the principal in its entirety unless their is a balance of fees and late charges. When I sent in an additional payment to be applied to the principal only, I had no late charges or fees, so therefore all of that additional payment should have been applied to the principal of the loan. Ovation Services applied part of the additional payment to the interest only and applied the balance of the additional payment toward the principal. On ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, are some of the dates that I mailed off a check to Ovations Services. These checks were additional payments that I had requested the amount to be applied fully to the principal on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
This is the continuation about my first complaint, because you closed my complaint or PayPal did. 

I just wan na clarify my account, did you really reviewed my account? Because you were saying in the last part of your letter that you're holding my funds.. " in an attempt to minimize loss due to reversals and other buyer complaint.. '' When I don't even have disputes on my account, if i had they were just 2 or 3 & they are already settled a long time ago. It seems like you are holding your customers accounts to use for your backup funds, whatever happens to your business. 

Last XX/XX/2022, PayPal sent me an email saying I can no longer do business with PayPal for violating their PayPal Acceptable Use Policy. 

When I started to use PayPal I never know about these XXXX, you must explain this to your users clearly. At least give them warning, not like this.. It's like a XXXX. You say, it is anti-fraud but you are the XXXX. 

I have an estimated balance of XXXX XXXX as of now, based on PayPal 's currency 's exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: U.S. BANCORP
State: WI
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 recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : XXXX XXXX, US Bank, XXXX XXXX XXXXXXXX, and XXXX XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

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 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently learned that a past care provider opened accounts in my name using incorrect date of birth. I have paid on these accounts, but after freezing my credit reports when I tried to unfreeze and retrieve I learned rthat the date of birth was incorrect. I did not know at the time that the provider opened the accounts how they did this with incorrect date of birth and I have been unable to have my social security XXXX  checks deposited in a bank account in my name because the bank can not retrieve credit report with my correct information since the buruea has a different date of birth. 

Correct Dob is XX/XX/2003 card was opened by care provider before I was XXXX -not responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
inquired USAA team regarding refinancing and understanding the current interest rate offering. After getting into the call, the Loan Officer said they could lock me into a 3.5 % APR rate if I started today. There was an initial fee of {$530.00} appraisal fee upfront. Following the appraisal fee and appraisal, the USAA team increased the interest rate to 3.625 % ( the change was just done in paperwork and not verbally discussed ) and have dragged the processes along to where they now want an additional {$660.00} to extend the changed interest rate an additional 15 days to complete the process. I had reached out to the USAA team on several occasions after not hearing any status for periods of 10 days. The delay and lack of communicating the process/timeline and next steps falls on them. I have since talked with the loan officer, who has said it the interest rate increased because the appraisal came back lower. There was never a conversation that the interest rate could change and the loan office had stated when I started these processes that I was " Locked in at 3.5 % ''. The Manager of the Loan officer has left me a voice mail stating that there was no concern during the initial processing of my refinance because they work off the value I provide for the home. The appraisal was set up by the USAA team. It contradicts popular site such as XXXX. Had there been any communication or indicate that the 3.5 % interest rate was not locked in and what it was based on, I would have continued to hold off on refinancing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened two new accounts with a {$600.00} member bonus promotion code. Both of my accounts were closed without notice via mail, without notice via email and without notice via telephone although all my information is on file. Also, I did not request my bank accounts be closed. I contacted the bank after receiving a check for {$1000.00}, and they stated my accounts were closed because my {$15000.00} check deposit didn't clear. My XXXX XXXXXXXX verified that check did clear and Chase received those funds on XX/XX/2023. In addition, I had a bi-weekly payroll deposit direct deposited to the checking account. My accounts were reopened XX/XX/2023 with my {$600.00} member bonus promotion " pending ''. However, I still have not received the {$15000.00} I deposited into my savings account that the bank stated they mailed to my home address as a cashier 's check. Those funds should have been put back into the Chase savings account immediately. I want my money now as they have it interest free since XX/XX/2023 and I have yet to receive the cashier 's check they supposedly mailed about XX/XX/2023. It looking like they have stolen my money! Futhermore, I want to make sure I receive that {$600.00} member bonus promotion code, as I completed all the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( XXXX ) XXXX XXXX then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation