BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.

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 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX -- - ; I received ( 3 ) letters from data furnisher XXXX stating as of the date of these letters, XX/XX/XXXX, XXXX has removed the disputed information from my file. -- -- I disputed my Public Record Bankruptcy item reporting with all ( 3 ) credit bureaus, Transunion XXXX on XX/XX/XXXX ), XXXX XXXX on XX/XX/XXXX ), and XXXX ( on XX/XX/XXXX ) ;. ; Transunion has several times forwarded dispute results ( for this same item ) stating the item remains and dispute results are verified as accurate. Transunion 's dispute results stated verified as accurate are false statements as the court or any court does not report to or provide information to Transunion. Transunion should remove the Public Record bankruptcy and associated bankruptcy accounts immediately.

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 2021-10-23
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had to close my account because of fraudulent charges and it took a long time to investigate and close my account. The delay made it look my payment was delinquent when I actually had a credit balance.

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 2018-10-18
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:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX  for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

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 2021-04-29
Company: EQUIFAX, INC.
State: SC
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused FinanciaXXXX XXXX and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Over the course of several months I have be attempting to have the Credit Reporting Agencies to remove inaccurate information that is showing up on my consumer file. I would also like a copy of my consumer file. What I received in returned is a form letter that states that they do not belive who I am. I have sent a copy of my personal documentation. I think my rights as a consumer have been denied and violated.

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
XXXX XXXX bank obtained a copy of my credit report ( hard inquiry ) on Saturday, XX/XX/2023 without my consent or authorization, I haven't applied for any type of loan/credit/financing. I've been unable to reach anyone with this institution although placing numerous phone calls. 

Capital One also obtained a copy of my credit report ( hard inquiry ) on Monday, XX/XX/2023 again without my consent or authorization. Again I've haven't applied for any loan/credit/financing. I've contacted Capital One and spoke to someone who.advised me to contact & dispute with the credit bureau, which I have also done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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

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 2020-10-27
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was under a forberance I was told if I paid a certain amount on XX/XX/XXXX my account would be caught up and no fees. I paid that amount - the exact amount PNC requested I pay. After making the payment PNC requested of me I was hit with over XXXX in fees. 
Prior to making the payment I contacted XXXX XXXX to find out exactly what I needed to pay. I knew it was over XXXX but could not remember exactly what - I received a call back and was told it was for {$8300.00} which I paid that day. Only to find out a few days later I had fees over {$2000.00} - This was not what we had agreed or what i was told - I was told when the XXXX payment was made I would be XXXX behind and I would just have my payment going forward. And I know this call when I was told this - was recorded or at least I was told it was I have contacted XXXX several times to find out why I had these fees when I was told the forbearance would zero out anything in the rears but she has not contacted me back - I have emailed over 5 times with no reply. Right when I got caught up XX/XX/XXXX Covid hit and our family was hit with cases of Covid and other hardships. My loan has been on another forbearance, I can not pay the loan and all the fees that PNC is asking for - I shouldn't have the fees anyway. 
I would like to ask for the additional 360 day forbearance time so I can get caught up on the loan now that our family is recovering and getting back to work and school. School just started back last Monday XX/XX/XXXX - hopefully now our Country will get back to normal. If possible I would like for your help finding out why I have fees on this account after I was told I wouldn't and your assistance extending the forbearance so I can get this loan caught up - thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NY
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:
Formerly, I made an investigation regarding these accounts with inaccurate information and after checking the updated report I recognized that the same accounts are still incorrect. Please correct/update the following accounts listed below : XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX Balance : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase Bank ( Deceased Processing Dept ) refuses to remove an improper hold on the subject account ( deceased owner XXXX XXXX XXXX, co-owner surviving spouse XXXX XXXX XXXX ). The account can't be closed properly without this hold being removed. Similarly, Chase is taking no action to either 1 ) return the final ( XXXX ) SSA benefit payment received by Chase in XXXX, or 2 ) credit this final payment to this account. Either action by Chase would allow 1 ) the SSA to reissue the final payment to the surviving spouse or 2 ) restore the proper balance in the account so it can be closed out properly.

Latest e-mail from Deceased Processing ( text included in uploaded attachment ) states Chase has an obligation to return payments received after the date of death but Chase refuses to do so.
Numerous calls to Chase Customer Service in XXXX and XXXX and two e-mails in XXXX to Deceased Processing have been fruitless. Customer Services says it's Deceased Processing 's responsibility to resolve but Deceased Processing won't take phone calls nor return phone calls per their own stated policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Paypal Holdings, Inc
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:
Hello CFPB, I am a victim of PAYPAL ID THEFT. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Someone created a Paypal account using my full name and email id XXXX ' around XX/XX/XXXX. My official email id is XXXX '. The email ID XXXX ' was one of my unused email ids and I have not used it in more than 6 months. 
They then accessed my XXXX XXXX XXXX Primary Checking Account with Account # : XXXX and two Debit Card Accounts with Account # XXXX : XXXX and XXXX. Then, unauthorized Paypal transactions fraudulently transferred money from my XXXX XXXX XXXX Checking Account with Account # : XXXX and two XXXX XXXX XXXX Debit Card Accounts with Card Account # XXXX : XXXX and XXXX from XX/XX/XXXX till XX/XX/XXXX. I did not create the Paypal account and I did not transfer money at all using this Paypal account online to anyone. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are of ID Theft and are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XXXX XXXX but could file final Claims with XXXX  XXXX XXXX for reclamation and refund of money only in XXXX and XX/XX/XXXX due to my medical issues. The total amount of money transferred fraudulently from my XXXX  XXXX XXXX Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed multiple Claims numbering atleast 9 with Paypal to get my total money back. Paypal Fraud Department has ruled against all of my Claims and has refused to classify the Paypal account as an ID Theft case. It has also refused to refund my total money back to me. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get my total money of {$15000.00}, obtained as a result of PAYPAL ID THEFT BY PAYPAL INC, AS SOON AS POSSIBLE BACK FROM PAYPAL INC. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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:
The Status on these account were corrected, but the PAYMENT HISTORY was NOT!!! Please correct this payment history as it's incorrect. Please provide PHYSICAL Proof if you feel these account were late as they were not.

14 Accounts with the same account number : 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 2023-10-21
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I recently received XXXX statements and they both stated I have not made any payments since XX/XX/2014 which is completely inaccurate from my understanding and then they stated I owed XXXX XXXX  which I can not afford their payment of XXXX XXXX  a month. 

I will plan to file for total forgiveness and also write a letter to them which I did in the past and never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Chime Financial Inc
State: IL
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:
So I paid for a service on XXXX, XXXX XXXX  XXXX am through chime. Minutes after I decided to cancel the service/appointment which I purchased for through the merchants website. So, basically I never received this service. Ive waited a couple of days expecting for the refund to hit my account but nothing ever came back to me. XXXX, XXXX XXXX than decided to open up a dispute with a great amount of evidence including receipts and conversations with the merchant. the date is now XXXX, XXXX XXXX chime still hasnt updated me on anything regarding my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Here are the details of the one or more transactions you didnt recognize or had issues with Below is the info that the scammer is using on PAYPAL email ID Transaction ID : XXXX Transaction date : XX/XX/2021 Transaction amount : {$350.00} USD Recipient email : XXXX PayPal ID : XXXX XXXX XXXX XXXX This transaction was to purchase a XXXX XXXX from XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ). The seller requested I send a {$350.00} deposit via PayPal and stated to me that I specifically put it under " friends and family '' in PayPal, which I have paid. I did what the seller requested and agreed to pay the rest on pickup. The address they gave me XXXX XXXX XXXX XXXX XXXX XXXX, TX was false. The phone number that used to contact me via voice and text is now disconnected but still shows on their website. Their email address is XXXX, breeders ' names are XXXX XXXX and XXXX, and Paypal account holder is under XXXX XXXX. I have documentation on these conversations. They are using XXXX on their website to show they are legitimate. Their website is still up and running. I have no idea how many innocent families they must be scamming. They had a XXXX account that they used to contact me which is also been deactivated called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TCF NATIONAL BANK
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX XXXX XXXX XXXX is an abusive and illegal company with untrained reps. They have charged me an interest rate of 17.99 % which is above the 16 % usury law of NY. They have applied 90 % of my payments to interest. after over {$7000.00} in payments, the principle is lowered less than {$1000.00}. When im late, they spam my phone with calls from several different numbers harassing me, family and friends. They even paid me {$1000.00} hush money when i threatened to sue because they threatened me, to have me arrested and steal my car if i didnt pay them before they hung up. Their staff is a bunch of liars who promise of you make a payment itll be applied one way, and apply it completely different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : 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 explanation
Consumer complaint received 2018-08-21
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry from XXXX XXXX that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
HELLO THIS IS XXXX XXXX XXXX MY LAST CONSUMER FINANCIAL PROTECTION BUREAU(CFPB) COMPLAINT NUMBER IS XXXX AGAINST TRANSUNION. I JUST GOT OFF THE PHONE WITH XXXX XXXX WHO IS THE NEXT LEVEL UP SPECIALIST OF THE CFPB ONXX/XX/XXXX TO MAKE HER AWARE THAT I WAS ORDERED BY THE US DEPARTMENT OF HOUSING OF URBAN DEVELOPMENT TO SEND LEGAL DOCUMENTS TO CHA ENFORCEMENT DEPARTMENT AT XXXX TO THE ATTENTION OF XXXX XXXX WHICH INCLUDE A DOCTOR'S STATEMENT ORDERING TO PUT ME IN A BRAND NEW RESIDENCE THAT I FEEL SECURE IN  DUE TO ME AND MY FAMILY BEING VICTIMS OD MORTGAGE FRAUD, IDENTITY THEFT, STATUTORY SCHEME ACTS AND WRONGFUL SUSPENDED DRIVER LICENCES WE WILL NOT LIKE OUR NEW DWELLING IN THE SAME AREA OR NEIGHBORHOOD.
Sincerely: XXXX XXXX XXXX & FAMILY
                 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 2023-03-01
Company: M. G. Credit, Inc.
State: FL
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 have filed disputes with all three credit reporting entities. They have refused to correct misinformation given to them, despite multiple attempts on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation