BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX # XXXX -- -- XXXX XXXX XXXX -- XXXX XXXX-Account number XXXX -- XXXX XXXX-Account number XXXX. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

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 2017-10-31
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Consumer Financial Protection Bureau : I have reviewed the response made by the business in reference to complaint ID # XXXX, and have determined that my complaint has NOT been resolved because : Merchant is misleading American Express and provided a copy of contract that was paid with XXXX XXXX card on XXXX and was not paid with my American Express account. That dispute was submitted to XXXX bank and was closed with a full refund. Documentation is attached. 

I did not authorize the charge on the American Express card on XXXX referenced in this complaint. My dispute was not handled correctly. Please check your customer service call logs as I was advised by American Express representatives on numerous occasions that the dispute was raised incorrectly as billing inquiry rather than fraudulent charge ( XXXX Dispute Ref # XXXX ). 

Copies of the XXXX response and supporting documents are attached. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: GA
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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2021-04-19
Company: Experian Information Solutions Inc.
State: AL
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 XXXX, XXXX, XXXX of 2021, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX # XXXX -- -- XXXX XXXX XXXX -- XXXX XXXX-Account number XXXX -- XXXX XXXX-Account number XXXX. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

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 2022-03-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: JPMORGAN CHASE & CO.
State: NJ
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 disputed a charge with XXXX of {$2200.00} on my Chase Visa Business Ink Plus card dated XX/XX/XXXX. On XX/XX/XXXX, I was notified the dispute was in resolved in the favor of XXXX but for some odd reason wasn't informed as to the procedure to appeal the decision which is usually written on the same letter. I've tried to call all day today but haven't been able to get through to a live person with the number they've provided me. I just sent a secure message and there's a notice saying " there might be a delay of a one or two weeks longer for a reply, '' The last time I got that response, it took one week to get a reply stating someone will get back to me shortly. I know I have only a limited period of time to file my appeal. If I miss that window, I will be precluded and lose my right to appeal. My dispute contained 34 pages including over a dozen pages of emails and photographs which I don't think were received and/or reviewed. Last time I submitted documentation for a dispute with Chase Visa, they sent me the response from the merchant for my review to my documentation and my dispute was overturned on appeal. This time, I never received anything except a letter. Finally, when I file a notice of appeal, the charge is supposed to be temporarily credited from my account until it's resolved if I'm correct. Can you please assist me in resolving this. Chase is usually fair about matters like these.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
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 fraud alerts or security freezes

Complaint:
Transunion  put a credit lock and 3 year long fraud alert in my credit report and SSN. I had member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. Today XXXX XXXX2020, exactly 2 months later Transunion inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Transunion put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. 
On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Attached is proof they refused to allow me to report this from XXXX different devices

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 2017-11-02
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX, XXXX somebody fraudulently created a medical bill of {$140.00} for I do not know what. Its almost impossible to see where the bill is coming from XXXX XXXX XXXX XXXX XXXXXXXX I did not make that charge during that time I was XXXX someone has stolen my identity. On XXXX XXXX XXXX it became Debt Recovery Solutions LLC.  For 8 months this debt has been owed and it is highly impacting my credit score of XXXX. I recently received a hard inquiry from XXXX XXXX credit card application mostly due to this fraudulent debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
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:
We shopped for a new second mortgage for our condo in XXXX through XXXX XXXX. We accepted an offer from Charter One and received the paperwork. Despite requesting a second mortgage, I was sent paperwork for a HELOC instead. Not intending to tap into the line of credit, we signed the documents. 

Later, as housing prices continued to plummet, our financial advisor recommended we complete a short sale. Unbeknownst to us, HELOCs do not go away in a short sale situation, so we were stuck with making an agreement with Charter One for the full amount of the HELOC value - they literally would not negotiate a lower rate one penny. We were advised to accept, and attempt to re-negotiate the amount at a later time. We completed the short sale of the condo in fall of XXXX. 

Three years later, after much failed negotiation, we settled on an amount to settle the debt. After three payments, we received a letter from the bank 's law firm, confirming satisfaction of the debt, showing the full amount paid. A few months later I checked our credit, and found Charter One had reported the loan as a " write off, '' meaning the debt was never paid. I filed a discrepancy with the credit bureau to correct the record. When the credit agency contacted Charter One to verify this change, they replied, " No, the write off is correct. '' This fraudulent record has caused serious damage to my credit score since its appearance on my record in XXXX. I wish to have this record removed from my credit, and if possible, punish Charter One for a fraudulent filing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER NO CARD XXXX XXXX  ... XXXX AUTHORIZED USER

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 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-04-13
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received ZERO communication from this company

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 2021-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
Some used my information to get medical services in florida. Exparian refuses to block information from my report. Im sent in a copy of my ftc 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 2019-08-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I don't know if this the right place to submit this, but I had already tried to reach a solution with the companies involved, but they had not been any help. 
I had sent someone {$45.00} over PayPal for the shipping of an otherwise free item on XX/XX/XXXX. This item never arrived, but the seller had sent something that was not the item promised, ( or made up a fake tracking ID, I'm not sure ) the item is not in any post office in my local area, nor is it in my mailbox, nor was it ever on my front door. 
I had submitted a claim to PayPal about this, but because the seller had a tracking ID, my claim was denied despite it being resolved. 
Later, I had submitted a complaint to XXXX, the app I had gotten in contact with the seller through, and they had essentially responded with " Sorry that happened, we can't do anything. '' Any way I had tried to get my money back from this scam has come up empty. This is my last hope and would enjoy a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not had access to wells Fargo auto account after the company closed their dealer service website. i tried to sign on through the regular website wellsfargo.com and it tells me to re-enroll. Then ask for access to information they have no right to like ( IMSI and IMEI ). They also changed the phone number on my account as well. Sounds like the company is trying to illegally access my phone. I would like for you to contact them and make them give me access to my account.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2020-11-08
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent JP Morgan Chase Bank a validation request for validation that all required notices under UCC Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i received a discharge from bankruptcy and paid off the mortgage arrearage. The horrible servicing nightmare that is XXXX continues! They are still not reporting my current mortgage status to the credit bureus!. In fact, the idiots have reported my account as being closed to the credit bureaus even as they send me stressful " advance '' notice of late payments when none of my payments have been late during the entire course of the bankruptcy and after. This company is absolutely atrocious, and you ( CPPB ) have to be aware of their practices. This is the second complaint I've filed against them in less than a month ( after checking my credit report yet again to see if the reporting has been changed ) as well as having filed a request for a reasonable accommodation under the ADA which they still have yet to respond to. 

I am sick, XXXX with XXXX XXXX issues and anxiety is a daily stressor. My house is the single most important part of my recovery and dealing with this company is literally killing me from the additional anxiety caused by their carelessness, callousness and downright deviousness. I don't understand how these companies can continue to get away with these kind of practices and not be sanctioned in some way. PLEASE PLEASE PLEASE do SOMETHING. Merely forwarding my complaints to them does absolutely nothing as they have not made one change in their practices and have been the worst example of a mortgage servicer I have ever seen. 

Carrington is literally detrimental to my mental health and causing me anxiety far in excess of what I need. They don't respond properly to anything and always give inconsistent information. Calling is a waste of time because when one does speak with a representative, it is usually after wasting time on hold. And even then, the person usually lacks knowledge to deal with the situation, provides inaccurate information, or transfers me to someone equally ineffective. I hate that I'm stuck with a serial debt collector as mortgage servicer and that their actions appear to be sanctioned by this body, which is supposed to help me. I obviously just emerged from bankruptcy, and even with considerable equity in my home, refinancing is not an option. Otherwise, I would have jettisoned this horrible situation and nightmare of a company before. 

Again -- Please Please Please do more than forward this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir or Madam. As evidenced on the attached receipts, it is 100 % clear that on XX/XX/21, at XXXX in XXXX, NJ, a Moneygram for {$2500.00} ( including fees ) was paid for to be sent to a relative overseas. The relative never received the money sent ( which is also 100 % verifiable using Moneygrams tracking system ). Representatives at both XXXX and Moneygram were spoken with and an appropriate police report was filed ( also attached ), yet there has been no resolution to date. Emails were also sent to both XXXX and Moneygram and Moneygram responded on XX/XX/21 that our email was received on their end, that they opened a " XXXX - Report Fraud '' case with an assigned case # XXXX and would be in touch shortly. Moneygram never responded after that generic email they sent to us so another follow-up email was sent to Moneygram and XXXX on XX/XX/21. Neither responded to that follow-up email so XXXX customer service was called on XX/XX/21. On XX/XX/21, XXXX assigned a new case number ( # XXXX ) and suggested to file a claim with the CFPB so that is what we are doing now. I look forward to hearing from you at your convenience. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Having issues with replacement of a card so that I can use benefits that have been provided by the unemployment services been through a lot of stuff even court and had it ordered for my account to be unfreeze and they still play there games

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