BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the accuracy of the account XXXX XXXX XXXX, Account number XXXX, that is currently appearing on my consumer report. Specifically, I am requesting that this account be removed/deleted from my report as it is over 7 years old and no longer accurate.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumers. This includes removing accounts that are over 7 years old, as they are no longer relevant to a consumer 's creditworthiness.

I understand that your company may have certain procedures in place for resolving disputes such as this. However, I would like to grant you the opportunity to amicably resolve this matter by doing the following : Investigating the accuracy of the account in question, including verifying the date of the account and any outstanding balances.

Removing/deleting the account from my consumer report if it is found to be over 7 years old and no longer relevant.

Providing me with written confirmation of the removal/deletion of the account, as well as a copy of my updated consumer report.

I trust that your company will take the necessary steps to rectify this situation in a timely manner. Please do not hesitate to contact me if you require any additional information or documentation from me to assist in your investigation. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$7400.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$25000.00}.

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The 3 credit bureaus are reporting my account incorrectly, It shows a past due balance and a charge off. I have asked them over and over to remove this account but no progress yet. XXXX, XXXX and XXXX claim that the debt has been verified and that it beongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
i am a XXXX  posted in USA for XXXX years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries? 

Portion of my credit score is also including student loan and mortgage loan but i am not a XXXX XXXX  and never took these loans. 

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.

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 2021-03-02
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022, I paid my property taxes. I paid it based the bill that I received. Apparently it got there a few days late and they said that I owed another, approximately, {$650.00}, I mailed that additional amount the same day that I got the notice. A couple days later, I got a message from Bank of America that they had sent the taxes and were putting my account into escrow. I talked to them and provided proof that I had already paid the taxes. They notified me that they had applied for and received a refund on what they had paid. Then I got another message letting me know that due to delinquent taxes, they had created an escrow account for buy mortgage. I have explained to them ove4. and over what happened that that there were no delinquent taxes and they had been refunded for what they paid. They refuse to remove the escrow and claim that they can't do so. My property taxes are around {$4500.00} per month one now my payment has gone up almost {$900.00} per month which I can not afford.

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 2018-08-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 by paying off completed credit card balance. Chase also responded to CFPB that credit card has been paid and closed.I have only used this card for purchases, bills payment and same is part of the CFPB and statement records. I never ever used this card for any other benefits ( any kind of insurance or coverage ) since the day I opened this card to closing dated XX/XX/2018. I have dedicated employee benefits and other companies, which have been paid from my salary and employer account. Hence, I never used chase credit card for any kind of insurance benefits. Surprisingly, I have received a letter from chase ( received on XXXX XXXX over USPS ) that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have no idea, why chase is talking about closed credit card benefits. First of all, I never ever used any of the benefits from chase since the day I opened to closing the credit card dated XX/XX/2018. When the credit card is closed with XXXX balance, all the transactions and everything related to credit card should be declined and closed effective dated XX/XX/2018. Chase kept on sending fraudulent notices and some kind of changes to closed credit card benefits, which is unlawful and fraud. I will be filing official complaint at Concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter saying that chase is not manipulating my closed card and what kind of unlawful benefits mentioned in their letter. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits at any point of time using my individual credit card. Chase credit card company has been committing unlawful activities and creating troubles to customers and chase has been harassing customer after closing the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a low balance of on my debit account at TD of {$6.00}. I fueled up at a gas station on a Wednesday after XXXX using credit. Knowing that it would run through as {$1.00} for a few days before the full amount processed. Where I would load up the account with more than enough money early Friday morning before the banks open. So no harm no foul and I would never reach a negative balance. As planned that's exactly how it all played out. Except that weekend TD decided the would still like to charge me an overdraft when there never was an overdraft or a negative balance on my statement. Huh? ... Funny how that works. Literally stole from me. Called to reverse the fee they refused and I will be closing my account immediately, as I do not like to do business with liars and crooks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, Enhanced Recovery Company ( ERC XXXX sent a letter attempting to collect on a debt of {$120.00} on behalf of XXXX XXXX XXXX XXXX. I responded with a certified letter by mail consisting of the following : " XXXX : XXXX XXXX XXXX, XXXX. Account : **** I was notified by your company on XX/XX/XXXX regarding an alleged debt. I have reason to believe that this debt is an error on the part of the original creditor as I returned all equipment and closed my account with no notice of outstanding balances in XXXX of XXXX. Since that time, I have not been informed of any outstanding debts by any individual until receipt of this letter from ERC. 
I request that the following information be provided to me by mail : 1. Proof of my agreement to pay the original creditor ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, including a copy of the original account statement issued by the original creditor showing a breakdown of total amount due ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. Aside from the above requested documentation for purposes of verifying the debt, do not contact me about this debt. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. '' This letter was received by ERC and they then sent a repeat of their initial letter with only the amount, and none of the other items mandated by the FDCPA. Since that time I heard nothing from the company until XX/XX/XXXX when they contacted my father. They contacted a third party without my consent, or by following the proper channels. Since then they have contacted my father 14 times, approximately once per day. 

So to be clear, I am reporting ERC for : contacting a third party without consent, contacting after receiving a request in writing to cease contact, and collecting a debt that is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Greetings CFPB, On XX/XX/23 I initiated a transfer of {$1400.00} using my Venmo app to pay a business account owned by the movers dropping off my belongings at my new home. 

They insisted on payment before they started unloading items, or even before I had to a chance to see them in the truck. 

I opted-in to Venmo 's XXXX XXXX XXXX '' offering which claimed that I would receive a " full refund if an eligible purchase isn't what [ I ] paid for '', because this moving company had already rescheduled thrice on me, and I was wary of the fact that they sent 1 man and his wife to unload the entire truck.

Upon all the items being unloaded, I noticed that 3 items were missing, and several more were damaged. The missing items were computer monitors that are vital to my partner 's work as a software engineer, and their absence greatly impacted his ability to search for a job after his recent layoff. A vacuum I was quite fond of was also missing. 

I estimate that the monitors are worth {$2200.00}, and the vacuum {$280.00}. I got these prices form XXXX I also estimate there was about {$1200.00} dollars more in damages to items I received, the largest of which was a headboard which no longer attaches to my bed. ( entire bed frame retails for {$2700.00} on CrateandBarrel.com ) I first attempted to reach out to the moving company, and they said they would investigate. When they offered no remedy, I filed a dispute with Venmo to partially compensate me for the damages. 

Venmo then informed me that an agent would reach out within XXXX business days to collect more evidence to properly investigate my claim. 

I was quite surprised when the next communication I received from them was an email stating that my claim had been closed and they had ruled in favor of the merchant. 

I called them again to complain and demand a chance to have my side of things be heard, and they once again said that a representative would reach out over email within the next XXXX business days, and today, I have again received an email letting me know that my claim is closed and they are ruling in the merchants favor. 

Please find attached the details of the Purchase Protection Venmo allows you to opt-in to, a police report I filed with the XXXX XXXX Police department XXXX where I moved from ) I am currently living in XXXX, and when i called the local police department, the person over the phone refused to take my police report " because I could not say with 100 % certainty that the crime took place in MI '' I am happy to provide further documentation on request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
They said I got approved for a XXXX loan, they was going to put {$490.00} they told me not to spin it, they want to get XXXX XXXX cards a $ XXXX one @ 2- {$50.00} dollars one, total came to {$600.00}, I only had {$100.00}, so they told me to get the 2, - {$50.00} one, a {$100.00} came out if my account, they never put the loan in my account, the bank said they had a check for {$490.00} they signed my name on the back of check etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/20 I attempted to transfer {$100.00} to my daughter. On the Pay an Individual screen a {$0.00} fee was disclosed along with a disclosure that funds would not be available for her until Friday XX/XX/20. 

When I searched for another option I saw that I could transfer funds from my Fifth Third checking account to my checking account at XXXX. As I DID NOT SEE any fees or delays disclosed I made a {$100.00} transfer from my Fifth Third checking account to my checking account at XXXX. 

Now, on Thursday XX/XX/20 I see that {$100.00} was taken out of my Fifth Third account yet NOTHING WAS TRANSFERRED TO MY XXXX ACCOUNT. 

It took over a half-hour on the phone with Fifth Third to speak with three of their representatives who have been trained to deal with Fifth Third 's deceptions and have no resolution. 

All three noted that there is a fine print disclosure hidden on the XXXX transfer screen and that they could not reverse the hidden {$3.00} fee or track down the missing {$100.00}. They all stated that while funds are " supposed to be credited within three days '' that " it could take longer. '' All three reps sounded scripted as though Fifth Third does this to its customers all day, every day. 

While I expected an immediate transfer, my funds did not even transfer " within three days. '' The transfer was made Tuesday and no funds were delivered on Tuesday, Wednesday or Thursday. Also, while I expected no fee, all three Fifth Third reps refused to refund the {$3.00} fee. This was the case event though it was disclosed to all three reps that had I known that the funds would be delayed for three days or longer and there would be a {$3.00} fee while experiencing this delay, I NEVER would have authorized the transfer. 

When the transfer did not go through on Tuesday I asked Fifth Third to stop it and the bank 's reps claimed that it could not be stopped.

Now, I'm our {$100.00} at Fifth Third and the {$100.00} that was expected at XXXX has not arrived even though it has been " three days. '' When today 's Fifth Third reps walked me through the website they showed me fine print which included font that is MUCH SMALLER than the rest of the font on the page and in a faint gray as opposed to the BOLD BLACK that other type is in on that very same page.

This may be seen in the attachment. Fifth Third should end this deception and list the unexpected delays and fees in large print and in bold. At the very least, the font should be consistent with the rest of the font on the same page. It is wrong to intentionally deceive customers with all but the best eyesight on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX COLLECTION Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX COLLECTION Account Number : XXXX COLLECTION Account Number : XXXX XXXX5 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 2018-03-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it

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