BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always paid my accounts on time and have never been late. It is ridiculous to see that there are inaccuracies in my account information. Please update my account accordingly.

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: JPMORGAN CHASE & CO.
State: CO
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:
I purchase tickets in XX/XX/XXXX for a sporting event in XXXX XXXX in XX/XX/XXXX for XXXX euros. The event was delayed and then canceled and in XX/XX/XXXX a credit was issued the the card, which had since been cancelled. Upon being notified in intended credit. Once notified the credit would be sent, I contacted chase to ask what needed to be done as the credit card used for purchase had been cancelled. Chase rep. Told me not to worry, credits would be accepted and they would forward me a check, may take a couple of weeks. I followed up with chase several times I. The following 2 weeks, via phone calls and secure messages, and was told they had no record of the transaction. On XX/XX/XXXX, I provided them the information provided from the merchant of the exact date and time of the credit transaction. Ive received 2 letters from chase that my inquiries are closed, one referencing the last 4 numbers of a credit card that does not match either of my chase cards. Ive been told that they hold those funds to end of year, that I had to write a letter and send to chase and other stories from the various escalations over 5 hours of phone calls. Per the merchant, the credit was sent 7 weeks ago, Chase still claims they have no record of transaction. Each time I call they escalate to another department that I can not have contact information for, and I never hear from them. I have to expect an ordd HD animation like chase experiences this issue often enough that they should have an effective process to manage, vs bounce their customers to multiple different contact centers and departments, many of which dont understand the information I am providing is related to a card Chase issued. How do I get chase to work with the vendor to resolve the issue, whether the credit transaction was attempted and successful or rejected by Chase. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America fail to protect my social security benefits from garnishment on XX/XX/2018 by putting a hold on my benefits. Ref # XXXX. How can i prevent this from happening again?

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 2020-10-27
Company: CITIBANK, N.A.
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:
I filed a dispute with Citibank on a purchase that was made with a travel agency. When Covid began, I asked the travel agency what my options were. The agent explained to me that if we were to cancel, we would get a credit and I explained that I did not want to do that. The next day I looked at my flight status and my booking no longer existed. I contacted XXXX XXXX, who we were to fly with, and they said that our flight had been cancelled by the travel agency. We filed a dispute with Citibank because the flights were cancelled without our permission. We sent in the emails that clearly stated that we did not want to cancel our flights and the travel agency admitted to cancelling our flights without our permission. If they had not cancelled our flights, we would have received a refund from XXXX XXXX because they had added an extra layover to our flight regardless. We had to reopen the dispute multiple times and this past time we received a letter stating that " We no longer have any available means to assist you in this matter since the time frame in which to resolve a dispute has passed. " I truly believe that if CitiBank would have read the documents and followed up with the dispute, they would have seen that what was done to us was fraudulent. We did not go on our trip. Our flight was cancelled without our permission by the travel agency. That money is rightfully ours.

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 2023-10-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I hope these disputed items will be fixed as soon as possible. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account 3 times, and it keeps comming back as verified. This account was deleted by XXXX  as unverifued please remove this account or send me a signed contract of this debt under FCRA section 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 2022-10-25
Company: EQUIFAX, INC.
State: NY
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:
I am, XXXX XXXX, submitting this complaint against Equifax Information Services, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXXXXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX  ( CLOSED ) DEPT OF ED/ XXXX DEPT OF ED/ XXXX XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF ED/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX, Experian and XXXX requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX XXXX XXXX  and to notify them that I am halfway to taking lawful action and litigate XXXX, Experian and XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2020-10-27
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-12-01
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called CCS began calling me in XX/XX/XXXX Spoke with someone on XXXX at XXXX asking them to stop calling me. Calls have not stopped and the people calling have been threatening and using profanity. My phone records show that over XXXX dozen phone calls from them with each time that I do answer I ask them to stop calling my number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-06
Company: Block, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Someone I was charged XXXX $ from cashapp and I dont have a cashapp account Ive been trying to get it back since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX. I'm summiting this complaint because I've been targeted for Identity theft. My Non public personal information has be compromised through data furnishing and sharing of my personal information. This information was shared without my written consent. According to the Gramm Leach Bliley act my personal information should be safeguarded with the financial institution I'm doing business with, and not to be shared with any other third party financial institution. In regard to not receiving full discloser and having my consumer rights completely violated. I would like this matter resolved as soon as possible in accordance with 15 U.S. Code 1681C-2. I demand these accounts be removed from my credit report with in XXXX business days. 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 2020-10-27
Company: EQUIFAX, INC.
State: MO
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'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX/ XXXX  {$71.00} 2. XXXX  {$100.00} 3. XXXX XXXX XXXX {$470.00} 4. XXXX XXXX XXXX {$83.00} 5. XXXX  {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion has on my credit file as balance or money owed to XXXX XXXX Credit Card account showed by transunion # XXXX there is no balance owed or money owed on this account as stated by Transunion of {$490.00}

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 explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts are not mine. They are inaccurate information, and need to be removed immediately from Experian, XXXX, and 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 2020-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got Identity theft who stole my information to withdraw money out of my Chase bank. I had filed a police report, froze my credit, contacted the bank to get things resolved and tried to get my money back. Funds where transfer starting in XXXX, I discovered and contacted the bank on XX/XX/20. Bank worked to resolved the issues and returned partial of the funds. However, there were still {$4500.00} that were charged because bank said the merchant will not return the money because my info were validated ( because my identity was stolen! ). I have no idea how to get the rest of my money bank and it seems like the bank is not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Collection From MIDLAND CREDIT Management trying to collect debt from me that I have no knowledge of. I am not liable for the debt that MIDLAND CREDIT Management claim I owe. I also stated that I do not have a CONTRACT with MINDLAND CREDIT MANAGEMENT that shows I owe money to MIDLAND CREDIT and they have no right to keep calling my phone number which I stated that I do not want to recieve the phone call anymore. I also request my Collections to be removed off my account since they can not PROVIDE me with " DEBT VALIDATION LETTER ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2019-08-19
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on a new home on XX/XX/2019 which is financed through 1st Bank Puerto Rico.Before receiving my first statement, I was given a wrong address to send my first payment to by the 1st Bank mortgage broker. It was a minor error that had an incorrect XXXX XXXX XXXX XXXX vs XXXX. When I received the first statement in the mail which was after my bank (XXXX XXXX XXXX Online Banking) mailed the check with the incorrect PO Box, I immediately called 1st Bank customer service and spoke to a gentleman who advised me to stop payment on the check. I did that and made the August mortgage payment via their website instead.Received a letter today in Spanish which I didn't understand so I called customer service and was told that I will be incurring an insufficient funds fee due to the stopped check.This is unfair as it was not my fault. I was given the wrong address and was advised by their customer service previously to stop payment on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: LoanCare, LLC
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: Account information incorrect

Complaint:
In XX/XX/2019, we asked to apply credit from over paid amounts in the past to our current due payment. The agent at Loancare said they would apply the credit. We paid {$1300.00} and they were to apply a credit of {$140.00}. They never applied the credit and we paid our amount due on time, because the credit was never applied they said our payment was late and now shows on our credit report as a late payment. This is incorrect and an error on Loancare. The phone call was recorded when we asked for the credit to be applied. We have filed multiple times for this to reviewed and is always denied. We have been trying to call since May and have been unable to speak with anyone about the issue or get it resolved. We were able to speak with a manager recently and they also agreed they were in the wrong and listened to the whole phone call. The manager stated when making a decision they dont review phone calls. We are now unable to speak with this manager again as when we are able to get through they state they can not transfer calls to other agents. The phone call needs to be reviewed as Loancare need to remove this late payment from our 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