BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2018-03-05
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have a debt with Transworld System Inc. that i had paid off. They stated that due to the item being a medical collection that it would be removed from my credit after being paid in full! While they did place a {$0.00} balance on the report they did not delete as promised!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: SG and Associates
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Person keeps leaving me voicemails on my phone from a credit card company or some kind of supposed credit place that comes up as fraud when you XXXX XXXXhe phone number XXXX. They also contacted family members and Im not quite sure how they got their numbers. This is harassment and I want it stopped! I do not owe anyone money it is fraud.

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 2021-06-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Account information incorrect

Complaint:
XXXX XXXX, XXXX, XXXX, and Equifax have all failed to help correct the inaccuracies in my consumer report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I will attach all three different accounts that is reporting inaccurate information on the XXXX XXXX XXXXXXXX XXXX. If you can fix the information please do so if you can not figure out why all three Reporting agencies are furnishing inaccurate information YOU SHALL DELETE/REMOVE THE XXXX XXXX  ACCOUNT ON ALL THREE CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: EAST WEST BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was selling my dryer on XXXX and asking for {$110.00}. 
On XXXX XXXX, 2016, a person texted me and agreed to buy. She/he said a cashier check was sent to me with more than what I was asking for. I asked why. The scammer said it was meant to send to somebody else before it was sent to me in an error and asked me to return the difference. Then the scammer provided the information where the difference should have been sent to. I received a cashier check for {$1800.00} on XXXX XXXX. I went to my local Eastwest bank in XXXX XXXX in California to cash the check on XXXX XXXX. I considered I could get the money on the same day because it was a cashier check. However, the bank teller told me they had to withhold the check for 2 business days to verify if the check was good or not. On XXXX XXXX, the bank released the check and I got the cash for {$1800.00}. I deducted {$160.00} total from {$1800.00}, {$110.00} for the dryer and {$50.00} for the trouble. I sent the difference of {$1700.00} cash through XXXX in XXXX store. XXXX transactions were made to different scammers. Each got {$840.00} after the {$16.00} fee. 
On XXXX XXXX, I was checking my Eastwest bank account online and found out my bank balance was negative. The amount of {$1800.00} was deducted from my account. I called my bank immediately. I was told that cashier check was returned. They referred me to talk to my home branch. 
I spoke to my home branch manager in XXXX XXXX and was asking why I was responsible for the returned fraud check even under the supervision of 2 business days withholding policy in Eastwest bank. We had disagreements on the issue of responsibility of the bad check. The final answer was that I had to take the risk regardless. 
I do n't think it is fair for me to take the loss. It is not my fault. I am innocent. It is absolute bank 's negligence. I would have not cashed the check if the bank had stopped it. It is bank 's responsibility to tell me if the check was good or not with 2 days withholding. I am the victim of the scam. 
I am now asking the authority of the Eastwest bank to take further action to investigate the case. I want my money back.

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
Consumer complaint received 2023-03-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received an AMEX gift card that was sealed in the original envelope from a family member whom ordered it directly from AMEX. When i went to use it there had been 4 unauthorized charges on the card that were not from me. I received the card a week ago ( XX/XX/XXXX ) but the charges were from XX/XX/XXXX and XX/XX/XXXX. This card was unopened in the original American express envelope. Amex would not do anything to assist with charging back the fraudulent charges and were overall very unhelpful. They told me to contact the store that the card was used at to have them reverse the charges. I am in the process of dealing with paypal to get all of the charges reverse but this extremely concerning that the sealed AMEX gift card credit card numbers were somehow leaked online and/or stolen. The only way i could imagine this could have happened would have been in the amex facility itself as the card was never opened or viewed by anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: Ideal Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed with this company numerous times. this is my second time sending a complaint to cfpb, the first time they removed it. now they have reported on my credit AGAIN. they have my police report, son, drivers license. they refuse to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I need that XXXX XXXX make the necessary adjustments. They removed the negative mark that appears in my credits teports in the month of XXXX for the month of XXXX and included it again in the month of XXXX. They even include an false observation in the report that reads : XXXX XXXX. The problem of this delay was fault of the bank and the XXXX application according the bank informed me. This application was programmed to debit {$150.00} fortnightly and due to a problem that the application had, it only debited {$1.00}. The bank informed me not use that application due to problems I had and they recommended that I switch to " XXXX XXXX '' app, which I did immediately. This is not allowed by the fair credit law. I have spoken with more than XXXX representatives and they have agreed to resolve the matter and have not done anything. 
Even, I have never received a card statement, this other issues were left to be resolved and they have not done anything. 
This matter has caused me irreparable damage. They have even disabled my account due to an address problem and I have already sent you the required documents twice. They unlocked my card on XXXX occasion and then re-locked it. 
I send him everything I have done in the past emails and I include again my identifications with the electricity bill and the credit report. I demand that they fulfill their responsibility since the damage caused is irreparable. 


I await the call that XXXX XXXX agreed to give me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is to file a complaint regarding a fraud with Chase QuickPay  where I lost {$850.00} on XX/XX/2020. 

For more than a year, I have been sending money from my Chase checking account to my daughter 's Chase checking account via Chase QuickPay Service on the Chase.com website. My daughter has been using her personal mobile phone number to register with Chase Quickpay. On XX/XX/XXXX I scheduled a recurring transaction to pay {$850.00} every month to my daughter via Chase Quickpay on Chase.com. The first transaction was scheduled to happen on XX/XX/XXXX. My daughter did not receive the money. When we followed up on XX/XX/XXXX, we learned that someone de-registered my daughter 's phone number from her Chase Quickpay on XX/XX/XXXX and linked it with a XXXX XXXX  checking account. So the money apparently went into the XXXX XXXX  checking account. This is either a mistake by Chase Quickpay ( service provided by XXXX ) or it is a fraud. My daughter did not authorize de-registering her phone number from Chase account and linking it with another account. My daughter does not have an account with XXXX XXXX  either. On XX/XX/XXXX, my daughter had possession of her phone for the whole day and no one else had access to her phone on the day. 

We promptly registered a claim with Chase ( claim # XXXX XXXX, but chase  declined to investigate the fraud and closed the case saying XXXX told them that the transaction happened as scheduled. But it was evident that the transaction did not happen as scheduled and my daughter did not receive the money. 

Upon escalating further, the case was re-opened three times, but every time Chase closed the case blaming XXXX for the error. Chase asked me to follow up with XXXX to get my money back. Chase representative gave me a XXXX claim number XXXX that Chase opened with XXXX through their back office. 

XXXX declined to register a claim for this or to follow up on the issue saying that I am not a XXXX customer and I need to work with Chase to resolve this. 

Both Chase and XXXX declined to own this issue and I was basically told that I lost the money and they can not do anything further on this. 

I registered a police complaint to further investigate this fraud ( case # XXXX XXXX, IL ) and the police detective suggested raising a complaint on CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold 2 items on XXXX  and the buyers paid through PayPal. PayPal is refusing to give me the money from my XXXX sales when I have provided all the necessary documents to prove that the money I received is from XXXX sales. Clearly the transaction matches XXXX. I have all the proof and also calls recorded that say my account would be lifted if I provide the correct documents which I have done. I have shipped the items to the buyers and have provided the correct tracking information and invoices of these sales to PayPal along with a photo copy of my drivers license! PayPal is holding {$600.00} from me. I want PayPal to release my money. This is not a new PayPal account and was created 5 years ago!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX, Transunion credit report had negative collective items reporting due to a mistaken identity ( similiar name ). Transunion removed the negative items, but still reported them to existing lenders. I request that transunion send updated copies of my credit report to all existing lenders. This took place in XXXX of 2018. As attached below you can see a snap shot of XXXX XXXX 's transunion credit report. XXXX XXXX 's score dropped significantly in that month due to fraudulent information reporting.

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 2021-04-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently.My funds are stuck in paypal, My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We ( XXXX, XXXXXXXX XXXX XXXXXXXX ) were staying at XXXX XXXX  at XXXX XXXX. I have paid all my dues before my exit, which was on XX/XX/2022. 
I vacated the apartment on XX/XX/2022 and handed over the keys to the main office. 
I do not know why is rent recovery contacting me when I had settled all my dues. I contacted the off staff in XX/XX/2022, when I first hear of this outstanding amount and was informed that this is an error and has been taken care off. the ticket no for that resolution was # XXXX. 

I have again received a note about the outstanding amount to which I reached out again to the apartment management office. I received the ledger but it does not show that I owe any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CarMax, Inc.
State: DC
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:
There is an account reporting INCORRECT INFORMATION. CAR MAX is reporting that I have 45 charge offs?!!! That is impossible! It's is only reporting on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I found out that my XXXX Credit Card limit had been dropped from {$1800.00} to {$100.00}. I had just completely paid off the credit on XX/XX/XXXX. I have never missed a payment, never been late, yet my reward for paying off my credit card was for XXXX XXXX. This is actually the 2nd time XXXX XXXX has done this to me. On another account they lowered my limit from {$2500.00} down to {$1500.00} even though again, I have never missed a payment, and that card was completely paid off. My credit score is at the exact spot it was when XXXX XXXX issued the cards to me.

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 2018-10-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a letter from the KYC department of Citibank early XXXX requesting me to contact them as early as possible before XX/XX/XXXX otherwise my account will be blocked. I called the given number XXXX -- XXXX on XX/XX/XXXX. It is a call center in XXXX, XXXX. The person I spoke to by name XXXX said all they required from me was to complete a form XXXX. On XX/XX/XXXX, I proceeded to XXXX XXXX XXXX XXXX XXXX, XXXX, CA where an XXXX by name XXXX XXXX completed the form with me and proceeded to log it into their system and sent a copy to the KYC department. He assured me that I had provided the needed information. 

However, on XX/XX/XXXX my bank account was blocked by universal block. All efforts to have my account unblocked have failed. The branch said only XXXX, XXXX KYC can unblock my account because no one in the States can do it. Amazing.

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 2023-03-23
Company: ADP Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My wallet was stolen and as I dont use my Wisely card often I didnt notice it right away, Charges were made over XXXX miles away from my home. I contacted ADP who was less than helpful, couldn't speak english and was told to email XXXX XXXX XXXX for a provisional credit as they do not do this automatically i emailed the dispute address asking for a provisional credit under regulation E. A few days later i recieved an email saying they closed my dispute. When this happened I didn't have an issue with XXXX, or my local bank. A quick XXXX search showed many complaints of ADP doing the same thing to customers who requested a credit and not handling disputes accordingly. i am not one to complain but this is ridiculous and the lack of compassion and professionalism is unreal. my next step will be contacting the CPFB, FTC, the state attorney general, and contacting a lawyer if this isn't resolved. ADP needs to reopen my dispute and credit my account. DISPUTE CASE # 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 2022-07-12
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
there are already 5 complaints with this is no solution and the fees on my account only increase. I do not agree with so many fees that I have paid since XXXX. I called the bank again today and they answer, talk to us and say they will solve it and hang up the phone without giving any satisfaction, the treatment they give to the customer is absurd. and also when we open the complaint they promise to call us and solve it and they do nothing. I don't want them to call, I WANT THEM TO RETURN my money to my account, that's all. Enough of this clowning and being treated like garbage by the bank. I WANT my money back that the bank took me saying I must pay fees and more fees. I want a solution and on my account, enough talk. now I'm not going to complain here anymore, I'm going to look for my lawyer because the negligence is beyond the limit!

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