BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/23 I had a charge on Chase bank statements for {$160.00} that was not authorized by me. I called my bank to dispute the charge and file for fraud and they temporarily put {$160.00} back on my account. Chase sent me a letter on XX/XX/23 to inform me that my claim was denied and they are removing the money from my account. In their letter they stated to contact them if I would like to request the information used for their research. I called again and was given no information as to why they denied it. The representative said that I can mail them additional proof for this charge. The charge said it was from " XXXX XXXX XXXX CA XXXX. The only company I had found was a shop on XXXX. I don't have an XXXX account and have never made a purchase on there. I also include my transactions from my XXXX account to confirm that I had never made a purchase with those dates, amounts, or company. Weeks went by and I never received a call, email, or letter with any information so I called again only to be told that my claim was still denied and they can not put the money back on my account. This should be illegal. Each time I called every representative gave me contradicting information with no solution. They would not give me any information on the company that took my money and I was not able to find a phone number or address online so I still have not been able to contact " XXXX '' to resolve this issue. This would be my last hope in getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.SXXXX code 1681c-2 allows the consumer to block and remove information all that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these consumer rights.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 USC 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 a 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. 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 2020-02-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
a thief used a phony driver license to steal money from my td bank account at XXXX, nj. The amount was {$2900.00}. I call TD bank every day and they give excuse that it is with XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I made a International money transfer at XXXXMoneygram to be sent to XXXX. My receiver was to be sent XXXX dollars. I was provided a reference number once this was completed. 
When my receiver was visiting the XXXX in XXXX to pick up the funds, they let them know that the amount was too much for this one transaction. Because of this Moneygram updated the transaction as completed, saying the funds had been picked up. 
I called Moneygram and let them know that the receiver was unable to receive the funds and to allow it to be redone. They left a note on the transfer that XXXX XXXX would need to call Moneygram to verify the transaction once the receiver was at the store again. 

They tried to pick up the funds again but XXXX XXXX informed the receiver that the funds had already been picked up. I call Moneygram again to let them know of the situation and try to cancel this transfer but they let me know that they would need to start a investigation to see what happened to the funds. I asked if there was a receipt generated at the time the funds were picked up and they said they had no receipt showing. How can that be transfer is showing funds were picked up if there is no receipt at the time of pick up? 

I am filing this complaint in the attempt to recoup my funds since Moneygram indeed still has my money in there system. 

Any help would be greatly appreciated. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax continue to report inaccurate information. The below account has not been properly validated or verified. There are several inconsistencies on the account XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account Status : Closed Derogatory Derogatory Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$270.00} {$0.00} High Credit : {$270.00} {$0.00} {$0.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$270.00} {$0.00} Payment Status : Unknown Collection/Charge off Wage Earner Plan Last Reported : XX/XX/XXXXXXXX  XXXX XXXX Comments : - Unpaid balance reported as a loss by the credit grantor. 
Account involved in XXXX XXXX debt adj. 
Credit card Included in XXXX  XXXX Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over 1 dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entries of the account from the date of account opening as described in Publication IRS 583.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: CA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not been notified of any investigation results. In the Fair Credit Reporting Act, a credit bureau is required to respond to & complete their investigation within 30-45 days. If they do not respond within that time, they must remove all negative listings that are being disputed. These accounts are inaccurate and have not been validated. By having them on my credit report, it has hindered me from obtaining credit and the ability to get anything in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has committed fraud and falsely reported accounts, addresses, inquiries, and employers on my consumer 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 2017-07-25
Company: EQUIFAX, INC.
State: LA
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 disputed all of my Inquiries on my credit reports from XXXX and XXXX and they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: CA
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 acct XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy.

15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened new checking, savings and credit card accounts with Bank of America. This was due to a move from XXXX XXXX XXXX and I needed a bank that had branches in both States. I made a mistake setting up " XXXX XXXX '' in my new accounts which resulted in making a double payment to my B of A credit card from my savings account on XX/XX/2022. When I realized the mistake, I immediately called B of A customer service to cancel one of the payments and transfer the amount back into my savings account as the double payment left me cash strapped and I had other bills to pay. I was advised that it would take up to 10 working days for this to happen. When I questioned why, as it was a simple transfer between my B of A accounts, all they would tell me is that this was their policy. I have since called customer service again and was told that it could take up to 2 billing cycles on my credit card, which is not acceptable. I then went to the Bank of America Branch in XXXX, XXXX  and spoke with XXXX XXXX about the matter on XX/XX/XXXX as the money hadn't been transferred and I was very anxious and upset as I still had other bills to pay. He made some calls to a manager and told me that the money would be in my account on XX/XX/XXXX. Today is XX/XX/XXXX and the money still hasn't been transferred back into my savings account. In my opinion, this can't be legal and if it is legal, it isn't right and needs to be changed. It is a just a transfer between accounts with no third party reason for holding funds. In the meantime, they have free use of my money ( XXXX  XXXX ), I am losing interest on my savings account and do not have the use of my funds. I require that the money be transferred back into my savings account immediately and that I be paid the interest amount accrued since B of A was initially notified of the mistake.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  acct XXXX XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy. 
15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: Bread Financial Holdings, Inc.
State: FL
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:
Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within XXXX days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from TransUnion for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022

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 2017-07-25
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They  entered a claim with the credit bureau  on  XX/XX/XXXX  in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Servis One, Inc., Titusville, PA Branch
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ref : BSI FINANCIAL SERVIC ES    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , PA.    ZIP CODE :   XXXX  * NEED MONTHLY STATEMENTS.     ** HAMP APPLICATION.
*** CURRENT AMOUNT D  UE ON MORTGAGE.   (  XXXX  was not able to furnish this information )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
BOA closed my account without warning and now they wo n't pay me my cash rewards points that they owe me for this card.

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