BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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:
its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.

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 2017-11-07
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
FINAL NOTICE TO CEASE AND DESIST COLLECTING ON BP CORPORATE M/C AND XXXX XXXX ACCOUNTS, FOR THEY BOTH INCLUDED BANKRUPTCY AND SO IS HUNTER-WARFIELD, SEE ATTACHED. 

THERE IS AN ACTIVE AUTOMATIC STAY IN PLACE AND IS VIOLATING THE DODD-FRANK ACT ALONG STATE AND FEDERAL COLLECTION CALLS TO MY CELL NO OVER XXXX TIMES AFTER ORDER. 

XXXX COUNTS OF FDCPA AND FCRA INFRACTIONS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion and XXXX are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but Transunion and XXXX seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.

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 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
cra violation XXXX breach has caused me all kinds of damages inquires that not mine and XXXX has not removed the inquires that are not mine i sent them documentation a billion times with the police 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
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: TN
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, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX # 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 States : A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Revolut Technologies Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Thank you for taking the time to look at my case. 

Company : Revolut, amount {$20.00}. Date XXXX XXXX, 2021. 

The case is regarding Revolut, a virtual debit car wallet with a physical card too. I recently opened my account with them ( back in XX/XX/2021 ). On XXXX XXXX, 2021, I was attempting to pay a friend using XXXX, so Revolut came out and I knew I had money on it, so decided to pay using it. The transaction was declined by XXXX because I had {$20.00} on Revolut and the amount I needed to pay was a bit higher. However, Revolut kept the {$20.00} they charged me ( although their rules say do not charge for declined transactions ). I contacted their customer service several times and each time they give me a different answer. First time I contacted their customer service they told me that my card was compromised and they issued me a new card number. Second time, the agent told me that I had spent that money myself with an authorized charge, which is not true. And when I tried to file a chargeback, they denied it to me saying the charge was authorized. However, XXXX XXXX did not take the money, and the history of charges show Revolut as the merchant ( attachment no. 1 ), so Revolut took my money without being authorized and without any services bought. I repeatedly asked what is the charge for, and they have no answer to me. As you can see in the attachment ( no. 2 ), I filed a complaint with them, they responded on XX/XX/XXXX again denied me a refund, still with no explanation of who took my money and what they did charge me for which you can see in the letter. 

Thank you for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, In regards to information requested to verify my Identity : SSN/Proof of Address, please see the attached documents listed - in regards to my prior complaint. 

The requested removal blockage of entries should be completed asap!

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am re-opening investigation into the CAPITAL ONE complaint for the CFPB Complaint ID : XXXX In the complaint they attached a letter with a bogus explanation along with a bogus phone number I have the backing of XXXX who has stated in writing that this was a legitimate refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Thursday, XX/XX/2022 I stopped by my JP Morgan Chase Bank and was informed that my account was being closed and that I needed to find another bank. When I asked why this was happening the teller only said that their notes show suspected fraud as being the reason and that a letter had been sent six months earlier. No letter was ever sent. 

I asked for a better explanation and none was given. 

I have had this account for years and the only unusual activity this past year and a half have been the COVID pandemic relief that was enacted by Congress and which I was eligible for. 

I am a sole proprietor that files my self-employment income under Schedule C on my personal IRS Form 1040. I received two PPP ( Paycheck Protection Program ) loans and a EIDL loan through the SBA ( Small Business Administration ). In all these loans the calculation for how much I was qualified for was strictly based on my returns filed with the IRS. In the case of the EIDL loan I had an phone interview with an underwriter. Every pandemic loan I have received have been based on verifiable tax return filings and I have submitted all documents requested in a timely manner.

No one at the federal level is questioning these loans.

My concern is that Chase has a fraud department that is either untrained or are indiscriminately targeting account holder who may fit a profile for fraud based on their ethnic origin. This is yet another example of a racially discriminatory practice by a U.S. based bank. It is interesting that I found out about my account being closed the same week that President Biden announced a new DOJ task force to look into pandemic relief fraud.

I report my self-employment income using my social security number I do not have a separate FEIN number. This is accepted by the IRS as business income and I have been filing this way for years. The various COVID19 relief acts passed by Congress did not discriminate between businesses that have FEIN versus income reported using SSNs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: KY
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:
i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( equifax, XXXX AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: WELLS FARGO & COMPANY
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:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO BANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry:XXXX This is not mine.

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 2018-01-19
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
A substantial amount of money was wired to XXXX ( Coinbase ) with the instructions followed down to every minute detail. The site states that transfers will be accepted same day if conditions were met. There was no warning of delays on the wire transfer page and my money has been missing for 4 days. I have contacted XXXX over 5 times and waited on hold for hours with the phone rep saying there is nothing they can do and wait for an email. I have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the XXXX website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.

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 2017-12-28
Company: CITIBANK, N.A.
State: VA
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 traveled to XXXX inXX/XX/XXXXand used my Citibank Mastercard on XX/XX/XXXX for 1 transaction at a restaurant ( XXXX XXXX ) for {$59.00}. When I returned to the US, I found a second transaction on my account from the same restaurant for {$350.00}. I immediately contacted Citibank to report a fraudulent charge on XXXX/XXXX/XXXX and was issued a credit and a new card. 
Since then, Citibank has re-added the {$350.00} charge to my account twice ( on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with the following explanation ( from a Citibank letter dated XXXX/XXXX/XXXX ) : Our investigation found that the disputed charges ( s ) is not related to a fraud disputes ( s ). You provided your credit card number to XXXX  XXXX XXXX XXXX XXXX XXXX, therefore, this charge ( s ) is not unauthorized. 

In other words, I used my card for a legitimate transaction, so they think any fraudulent transactions that occur after that are still authorized, which is clearly against my card holder agreement. 

I have submitted documentation to Citibank contesting the charge as fraud with my legitimate receipt 3 times. I have spent several hours on the phone ( on XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX ) with Citibank representatives and supervisors, being passed back and forth between the Billing Dispute Group and Security Services Group, with each group saying that I needed to speak to someone in the other group. As of today ( XXXX/XXXX/XXXX ), Citibank has added the fraudulent charge back on my account. They sent a copy of the charge from the merchant and it 's very clear that the signature was badly faked ( it is not even close to looking like my signature on the legitimate transaction ) and was processed hours after I left XXXX XXXX and was back at my hotel. 

This is not only terrible customer service, but it is clearly in violation of my cardholder agreement which states " {$0.00} Liability on Unauthorized Charges You wo n't pay for any unauthorized charges made on your consumer Citibank Debit Card and consumer credit cards. ''

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 2022-03-07
Company: Experian Information Solutions Inc.
State: DE
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 the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE CLOSE and CHARGE OFF ACCOUNT : XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : 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 2021-10-18
Company: Capio Partners, LLC
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:
This is my second time disputing this account : ASSETCARE LLC # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following account ASSETCARE LLC # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
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: Their investigation did not fix an error on your report

Complaint:
I HAVE SUBMITTED NOT ONE BUT VARIOUS DISPUTES, AND HAVEN'T NOT FIXED THE PROBLEM

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 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 called Trans union on XX/X/2017 due to the 2 separate glitches they had removing credit inquiries from my credit report and the credit inquiries appearing again after the glitches were recognized. I was not notified of the reappearance and spoke with XXXX at XXXX and XXXX from Pennsylvania at XXXX on XX/XX/2017

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 2017-12-28
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 XXXX XXXX XXXX XXXX showing in which there is no money owed on this account. 

This account has been paid and XXXX XXXX XXXX XXXX owes me money back. 

This account was over paid and have filed with the FTC & CFPB I have enclosed documents showing the money paid as well as the incorrect information that Transunion has on file.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: HW Holding, Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hunter Warfield Inc add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. also, there was No written form communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anyone can send a bill and say its mines. according to the FCRA, Hunter Warfield Inc has violated my rights as a consumer and im requesting legal action to remove this account 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