BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 did not authorize any of these inquiries, delete it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-04-17
Company: Experian Information Solutions Inc.
State: IN
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:
According to Law False information must not be furnished XXXX XXXX XXXX continues to report my account as Trade with False Information This was a Secure Account which required a cash deposit which was never accredited to the account before or after the Charge Off Therefore the Balance is incorrect

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX  INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXX XXXX XXXX XXXX XXXX XXXX  : INQUIRY- XXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report 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 explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax Corporate Office representatives have been using my personal financial information to fraudulently report an account/public record that they have not been able to provide accurate reporting information. I have requested they provide me with the XXXX party vendors or additional information that support their reporting and they have refused. Therefore, they are stealing my personal information and knowingly reporting unverified information. On Tuesday, XX/XX/XXXX I had a phone call with XXXX Identity Theft Resolution Professional with XXXX. We completed one phone call to VERIFY an INACCURATE collection account that was reporting on my report. The phone call concluded that the company did not have information for me, and was not reporting. After all attempts of disputing this account, and they constantly reported that it was reporting and correctly, and then now with me urging them to call because I called and it was verified they received the correct information. We then made calls to VERIFY the information being reported for Bankruptcy and it was UNVERIFIABLE. This shows that none of the credit bureaus have attempted to accurately VERIFY accounts that are reporting when consumers initial dispute XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Capital One # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Credit Bureau of the South, Inc.
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have received numerous phone calls as have members of my family, threatening jail, arrest, police coming to my door and if we have guns on the premises to lock them away. My mother was even threatened that they would lock her up if she did not tell them of my whereabouts. All from a company by the name of XXXX XXXX XXXX ... XXXX. The people we have heard from are a XXXX XXXX and a XXXX XXXX. 

These claims were discharged in Bankruptcy several years ago and these companies were notified of the hearings and at the time did not try to contest it. 

I have tried to inform them of the bankruptcy but they just laugh and tell me they will see me in court. I have given them all my contact info but to date have received nothing from them and they still call and harass my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX of  2021 I applied for a XXXX XXXX  credit card as I was prompted to  before I paid for items I was buying because it said if I used a XXXX XXXX credit card I would get free shipping when using my XXXX card on items I purchase online at XXXX. 
Suddenly, this week, I received a letter from Wells Fargo XXXX XXXX XXXX credit card ) saying that they were writing to  let me know that they stated all the XXXX XXXX credit card benefits when they sent me my XXXX card and  they were now taking away : 1. Complimentary standard shipping for online orders and  that I had to  make {$2000.00} in purchases before I could get free shipping and  that was EACH calendar year. 
2. That they incorrectly informed me that this benefit and  others, including bonus point offers, private shopping events, and  dedicated 24/7 customer service were incorrect. 
3. Charges for standard shipping for online purchases and  in-store gift wrapping will apply until you reach Elite status.

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 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I put in a withdrawal request from my closed account from Bank Of America. They have yet to approve my withdrawal request at the appropriate timeframe and keep giving me the same excuse as to why It has not been approved.

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 2023-01-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had a loan with Ally Financial which was in a late payment. I entered a catch up agreement on XX/XX/XXXX with a payment of {$780.00} which is more than the usual XXXX XXXX monthly payment due on the XXXX. 

After the agreement, my bank account changed so I canceled the transactions and made a new post payments on my account for the charges cancelled. 

I made the first payment on XX/XX/XXXX. 

After making the payments for 4 months, they suddenly said I was late and was 30 days past due. 

After talking to customer service, they told me since I made the payment on XX/XX/XXXX instead of the XXXX, it voided the catch up contract which is strange because they were reporting fully paid in the middle of the contract. I also made {$800.00} payments which was more than due and she also said that doing that voided the contract because it has to be the same amounts and dates as the contract. 

So now they say that I'm one payment late, dinged my credit, and wanted an additional payment on the end of the contract on XX/XX/XXXX. 

They also charged me late payments and penalties. 

In essence, they are penalizing me for paying early and paying more than agreed upon. 

I decided that the best

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 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
ive recently checked my report and notice a few inquiries that was not made/authorize by me XXXX is tarnishing my reprot and I will like these inquiries to be removed asap. 
XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021

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 2023-05-04
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am trying to access gemini cryptocurrency account ( name : gemini trust company , LLC ) after long time. I raised multiple requests via their customer service portal but there has been no response from gemini support. I have funds locked in my gemini account that I am trying to access to alleviate some of my financial stress but I am not getting any support from gemini team as they keep sending response to XXXX pertaining to my XXXX account which I dont have access to for reason stated below. I had provided alternate email address ( XXXX ) which I have access to but I havent got an response from them with respect to any verification questions pertaining to my account which I can answer. I was able to restore my XXXX  account going this route but it has literally been a pain with gemini support. I dont know why gemini support keep sending response to an email to which I dont access to. 

Reason : I dont have access to my XXXX  pertaining to my gemini account since my phone got damaged which had authy app. I had used a XXXX  voice number for XXXX pertaining to my gemini account. I have lost access to that XXXX voice number because of which I am unable to login into my XXXX  pertaining to my gemini account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX  XXXX  XXXX  to inquire about getting a car. I was told XXXX XXXX XXXX would pull my credit report ; instead, six different companies pulled my credit report. Which I didn't authorize or agree to. 
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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
never gave Transunion any written consent to report anything on my consumer report. No consent is 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 2023-09-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a fraudulent payment experience on PayPal XXXX of XX/XX/2023. I immediately warned Paypal and my credit card issuer XXXX by phone and email to cancel the payment and take immediate action. 

Unfortunately, neither PayPal nor XXXX took the necessary action against the fraudsters. Although I called them several times and provided all the information, these financial institutions closed the dispute without any action. They didnt even give any information about the fraudsters for 3 months. 

I have classified all files and screenshots about the fraudulent payment. 

The main problems with PayPal and XXXX I experienced are as follows : 1 ) PayPal did not take immediate action to stop the fraud by paying the money to the fraudsters instead of pending the payment although I informed PayPal and sent an urgent email Phishing Department immediately by call and email including the fake emails and all relevant information in detail. 

2 ) PayPal did not continue my case due to XXXXXXXX XXXX opening a case which was made on PayPal 's advice to contact them as the credit card issuer. PayPal still gives the pass to XXXX instead of investigating the fraud case that is caused against them and me. 

XXXX ) The main excuse PayPal mentioned and shared with XXXX to close my case is their policy regarding the selection of the friends and family option made during the transaction. My excuse is that it was the first time I was sending money through PayPal, the person who was the fraudster told my daughter to choose this option to finish the process faster, and most importantly there was no warning on my screen informing me that the payment can not be refunded if I choose that option and if something goes wrong. ( Screen captures of my mobile transaction uploaded ) XXXX ) XXXX contacted PayPal as the merchant and did not investigate the whole transaction as is supposed to be in this clear evidence of fraud. XXXX asked me to give PayPals transaction details instead of asking PayPal about the fraudsters and what they might introduce regarding the fraudulent transactions and all the fake emails they sent to me. I have replied to XXXX to collaborate with PayPal and gather all information from the receiver of the funds who was the fraudster by contacting her. Unfortunately, XXXX didnt mind the response and closed the dispute without any measure. 

I am concerned that neither of these companies has provided any updates on my fraud case or the status of the fraudsters involved. I am unsure if these companies prioritize their customers safety or the interests of the perpetrators. It is important for these companies to uphold justice and prioritize customer satisfaction while still adhering to their policies and maintaining ethical business practices for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 Inquiries Capital One XX/XX/XXXX XXXX XXXX XX/XX/XXXX Disputed with companies, no open accounts associated with these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: STERLING JEWELERS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-04-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We were working with a lender, XXXX XXXX, supposedly with XXXX XXXX XXXX XXXX XXXX, for a property loan, 100 % financing, and he requested {$1200.00} to start the loan process. On XX/XX/XXXXXXXX  I wired the funds to XXXX, XXXX XXXX listed on wire transfer information. He then started asking for more money and we knew something wasnt right, so I asked for our money to be returned as we were not going to move forward with his loan. He said it would take 7 days to return the funds. After about 10 days, I contacted him, he said to wait until after the holidays, and after that he said he was going to keep {$600.00} for the work he already started with our loan. I have signed documents that state the {$1200.00} is refundable, we never received any services from him or any money. I called my bank to request the funds back, they attempted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with no resolve. I contacted XXXX again, he said he returned the complete funds, which was a lie. We have been without {$1200.00} since XXXX, and this guy is literally giving us the run around, even though we have signed documents stating the {$1200.00} was refundable. I dont want anyone else to experience this scam, and we need our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Capital One Account # 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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 well advised that Transunion experienced a glitch in XXXX and XXXX that caused all inquiries to be removed from consumer reports. It is illegal for inquiries to be re-added to a report without notifying the consumer within 5 days of intending to add them. My rights have been violated and this has caused me financial hardships. I have called transunion on XX/XX/XXXX. At XXXX, I spoke with XXXX XXXX She was unwilling to remedy the situation and claims that I was not affected by the glitch because my inquiries had not been on my report from 2 years before the glitch. This is inaccurate information.

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 2021-11-17
Company: MIDFIRST BANK
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my home from XXXX, then they sold the loan to midland mortgage and my house payments started going up. No reason either the taxes were the same and the Insurance was the same. they claimed I missed a payment which I did not. Have proof of this then CoviXXXX hit. they had turned me in to the credit report co. my house payment was {$500.00} but after I tried to refinance my home is when I found out that they had destroyed my credit with lies. I then went to Credit repair to restore my credit. That's when midland mortgage told me the escrow was messed up and placed my payments at XXXX a month because they claimed I owe them. then put me into a forbearance that I never agree on. Credit repair found I had not missed any payments until thee Covid-19.I am XXXX  with XXXX XXXX and on a fixed income. I have tried to reason with these people but they will not help me in any manner.

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