BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2019-04-11
Company: MoneyLion Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2018 I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/2018 I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name " XXXX '' and he informed me that they did not take it off for the membership agreement. That no law could stop them. This is after I had called multiple times stating that I never agreed to this " membership fee '' to began with. It's false representation!! I have already paid this loan off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: Westlake Services, LLC
State: MA
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 finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX/Westlake Fin Open XXXX To Be Closed XXXX XXXX  XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX  XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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:
few accounts are reporting inaccurately and fraudulently under my expeiran and XXXX  and XXXX credit reporting agencies. 
i have been disputing these fraud account ( XXXX XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC 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 2018-03-19
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I lost my house to foreclosure and lost my checking account record 's and I can not prove any payments pnc bank will not provide old statements please help me get copies of statements for XX/XX/XXXXand XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Met a person through reddit who agreed to sell me a game console and games. We agreed to use cashapp as the money transferring service. Upon sending the funds, the person ghosted me and never sent tracking, shipped anything out, refunded me ect. I've contacted cashapp multiple times about the issue in an attempt to get my money refunded. Everytime they give me the same generic excuse. I try to show them info that shows the person in question ghosting me and they say they " don't need that info ''. How can you run a money transfer service and offer no help in regards to getting a persons money back? If the transaction was made on your site and I have proof to show that nothing was received on my end, why would you not investigate the situation in an attempt to retrieve my funds? I marked the transaction as a scam and put in a request to receive my money back. When I called cashapp on the phone to get an idea of how that process works and what exactly they do in order to retrieve the funds, they made it sound as if they had no actual intention of trying to do so. In which case, why include a message stating that your looking into getting my money back upon filing for a refund on the item if that's not actually the intention? 

As for dates and times, I initiated the transaction on XX/XX/XXXX. The person was supposed to ship on XX/XX/XXXX. After 2 days of no response, I contact cashapp through chat on XX/XX/XXXX. As stated above, they were no help. Called them as well on either XX/XX/XXXX or XX/XX/XXXX which as I stated above, also amounted to nothing. 

The amount in question is for {$95.00} total. 

I included screen shots of the conversation with the person as well as my final message to him on the XXXX which he still hasn't replied to. Also showcased his last activity on reddit which was 8 days ago, the same day I sent him the money. This person ran off the second they got paid =/ Included pics as well of my cashapp account " XXXX XXXX' as well as the thiefs cashapp " $ XXXX '' Also showed the refund request which will supposedly be responded to by XX/XX/XXXX but you've already told me on the phone that those are mainly to flag scammers and don't actually help much in getting the money back so not sure what good waiting till that day would do me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

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 2021-02-18
Company: EVERBANK, NATIONAL ASSOCIATION
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: Information is missing that should be on the report

Complaint:
Because of XXXX, we entered into a forbearance period with XXXX Bank on XX/XX/XXXX. At the end of the forbearance period, XX/XX/XXXX, we were required to respond to their offer of a mortgage payment trial period. Our response was affirmative and we began to make on time payments, XX/XX/XXXX. On approximately XX/XX/XXXX XXXX reported us as being in arrears to the following credit agencies : XXXX, XXXX, and XXXX, resulting in our credit scores plummeting. After speaking to XXXX, I ascertained that this action is in violation of the CARES Act that governs mortgage negotiations as the result of XXXX, and credit reports are, in the words of the Act, " the furnisher shall ( I ) report the credit obligation or account as current. '' Further, and importantly, we were never informed that during the forbearance period or the mortgage modification period, we would be reported as delinquent. 

Finally, TIAA Bank sold our mortgage to another furnisher and when I call to find a resolution, the bank hangs up on me. I was fortunate to have a number I could call and obtain an email address. The bank is not responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX XXXX XXXXXXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  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 explanation
Consumer complaint received 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX, XXXX I made a payment of {$7200.00} to my Capital One XXXX XXXX card. The payment was deducted from my bank account on XXXX/XXXX/XXXX. When I went online to review the status of my Capital One credit card the available balance was around {$150.00} although I see the payment posted in my credit card transactions. I then checked my bank account again to make sure I was not missing something. At this point I planned to call Capital One to see if my credit limit was significantly and if so for what reason. When I called Capital One on XXXX/XXXX/XXXX they told me my credit limit of {$8900.00} was still in place and the payment was placed on HOLD because of the amount. I asked why was n't I notified of this HOLD, they replied they do not have procedures/requirements in place to notify a customer when they place a payment on hold. I then asked why an electronic payment placed on HOLD especially when Capital One had already received the payment as it had cleared my bank account. I have screen shots of all these dates and payments if CFPB would like visual details on the payment activity to confirm/validate my comments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
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 change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I C Systems has violated my federally protected rights. I did not receive a notice of dispute before furnishing the negative tradeline on my consumer report. This is an alleged debt and I am not paying you for it as that is my right under the FDCPA. You are now on notice to Cease and desist communication from me from all mediums including my consumer report. Failure to comply will result in me pursuing litigation.

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 2018-01-12
Company: MIDFIRST BANK
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently filed a complaint about XXXX XXXX XXXX a Division of MidFirst Bank on XX/XX/2017 through the Office of the Comptroller of the Currency. My issue was that they would not release funds for me to rebuild my home after a category three sewage problem damaged my home on X/XX/2017. Finally in XX/XX/XXXX after I submitted my complaint they began to release the first payment. The problem with that, was they sent the check in the name of the Contractors buisness and I was not able to prevent any fraudulent action or actions from taking place. I did not know if the Contractor would take my money and run!!! When I addressed my concerns to XXXX XXXX XXXX, they said that only the first check would be in the Contractors name the rest would come directly to me so that I would be able to dispense the money as needed. After the work began and I needed more money for materials, XXXX XXXX XXXX said that they needed an inspection of the property. The inspector came and did his job and submitted his findings, which were satisfactory to XXXX XXXX XXXX. As it stands I expressed my concerns about allowing someone to control my funds to rebuild my property!!!! The Mortgage Company insist this is how it will be done until the Contractor states that he is finished with the property. I feel as though the Mortgage Company is committing an Nefarious Act against me, this is my home and it is in my name and I still pay a mortgage on this property. I have no say in anything as far as the Mortgage Company is concerned ... .it is not fair and truly unjust. In today 's society we have to constantly stay aware of those we believe we can trust. It took my life to own my home and I am not willing to allow someone to take it all away from me because of an Nefarious Act that is being committed against me. Respectfully Submitted I would truly appreciate your help concerning this matter!!!!!! 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 2018-01-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As a result of TAX REFORM in late XXXX, the tax amount of {$3200.00} needed to be paid from the ESCROW account immediately. 

During my call with CHASE on XXXX XXXX, XXXX with XXXX XXXX from the Chase mortgage tax department several urgent items were discussed. 
1. I authorized the {$5.00} fee to pay this tax immediately. This was based on Chase providing information that the Town required a " batch '' payment, or pay this {$5.00} fee. 
2. Because XXXX XXXX claimed that Chase did not have the tax document, nothing could be paid. Therefore, I requested an immediate call from her superior. As of 1145 hrs, XXXX/XXXX/XXXX, no attempt to contact me in any fashion has occurred. 
3. The town has assured me that Chase DOES already have the tax bill. Incidentally, during the XXXX/XXXX/XXXX conversation with XXXX XXXX, she required the tax bill to be uploaded to their document server. I uploaded the tax document during this phone call. 

ISSUE : Chase mortgage refuses to assist this customer to expedite payment of the TAX bill and has found every excuse to avoid doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX ER visit to XXXX XXXX ER XXXX. Insurance filed incorrectly, so processed out of network. XXXX XXXX XXXX  ER failed to send the additional medical records requested by my insurance company. XXXX XXXX turned over to AMCOL collection agency and XXXX XXXX XXXX filed bankruptcy. I never received notice of debit. I discovered it on my credit report when I applied for a home loan. The collection agency is offering to settle for XXXX, but no less. I have asked them to provide me this in writing, which I still believe is unfair and had XXXX XXXX ER submitted the necessary paperwork to my insurance this bill would have been paid. There have been law suits filed against XXXX XXXX ER by others regarding the above unfair practices and failure to inform patients. I have also filed a dispute with the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CNG HOLDINGS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: GA
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:
in accordance to the Fair Credit Reporting Act JPMCB CARD .ACCT # XXXX HAS VIOLATE MY RIGHTS. 


15 U.S.C 1681 Section 604 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 an account without my written instructions

Company response to consumer: Closed with explanation