BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX , XXXX to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a XXXX mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, MA XXXX USA for {$4300.00}.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 i sent dispute letters to the credit bureaus asking to get some inaccurate items removed from my credit report. It has now been 62 days & these items are still showing on my credit report. I have not received any letters explaining the outcome of my dispute. These inaccurate items are preventing me from applying for a mortgage to get my home. Please assist with getting these items removed from my credit reports ASAP. Thank you for your assistance.

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 2020-08-27
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is a copy of the certified letter I sent to PNC. 

PNC Bank XX/XX/20 Corporate Headquarters XXXX XXXX XXXX. 
XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Dear PNC Representative, I have been a PNC member for about 20 years when your bank grandfathered me in from National City Bank. I  have had a mortgage loan, home equity loan, checking and savings accounts. 
I mistakenly transferred {$2100.00} from my account at XXXX XXXXXXXX XXXX to a wrong PNC debit card number on XX/XX/20 at XXXX. The wrong number is XXXX XXXX XXXX XXXX. My correct debit card number is XXXX XXXX XXXX XXXX. My finger did not record the # 1 on the third set of four digits. 
When I realized the error, I contacted the XXXX Branch office and requested a dispute process. I understand this process can take up to 90 days. I receive a letter a week later indicating the dispute was resolved. I check my account and see that nothing was resolved. 
For the next several weeks in XXXX and XXXX I follow up this matter with dispute personnel. While the process of this matter is very stressful and frustrating, what is even more frustrating is the conflicting feedback that I am getting with the dispute personnel. 
The Ravenna branch manager indicated on two phone calls that he sees it and will forward it to the correct department to handle it. Another person said that nothing can be done because the account doesnt exist. Another person said that what I did was transfer real money and can not do anything and that people lose money all the time. I asked him to send me his answer in writing to me. He refused. This same person said, We dont have a system to get your money back. I tell him that his answer is not believable because the branch manager told me twice that he sees the error on his database. 
The one common message I am getting from your dispute people is that the process has to start/come from the bank you initiated the transaction. Twice I connect your people with the XXXX XXXXXXXX XXXX  ( XXXX  ) with phone number and name. They spoke. XXXX gave PNC the numbers that were entered and the amount entered indicating the first 6 digits are a PNC account. Again, I get the same message that the process has to begin with XXXX. Just yesterday I ask PNC dispute personnel to be specific about what is needed to process this matter. No specific answer is stated to me. Today, XXXX is writing a letter with this information and sending it to XXXX XXXX at XXXX. XXXX XXXX is the current PNC personnel addressing this matter. 
Having been a reliable customer for 20 years with multiple accounts, I am hopeful that this matter can be resolved in a positive way. 
If the account does exist, that PNC can contact that customer and request the funds to be returned. 
Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2023, I turned my XXXX on at approximately XXXX. I attempted to use my XXXX app. I was greeted with a message stating my account had been locked due to suspicious activity and that I needed to call for verification. I called the number provided and successfully completed the verification process, to which I was told that there had been multiple failed attempts at logging into my account to prompt the lock. At approximately XXXX XXXX  on the same day I attempted to use my debit card ending in XXXX and the transaction was declined. I once again called XXXX to see why it was declined. At this time I was informed that my account had been reported as receiving a fraudulent {$90.00} transaction and that my account was frozen until an investigation was completed, up to XXXX  days. I requested that the exempt funds be released immediately to which I was told no. Since that date Ive had multiple automatic bill pay accounts be declined by Chase. It is sunday XX/XX/2023 and my account is still frozen. I have not been contacted by any investigator from chase, the {$90.00} transaction has been deposited to my account even though I didnt ask for the money and have no knowledge of where it came from. My account has a {$1700.00} balance and due to chase declining transactions Ive been accessed late payment fees, returned payment fees, and now have a auto insurance cancellation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Santander Consumer USA 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 continuously contacted XXXX as well as XXXX XXXX  XXXX about this account that was part of a debt buying purchase. The account was initially opened with Santander in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to XXXX XXXX XXXX in XXXX of XXXX. I have contacted XXXX. XXXX XXXX as well as XXXX  to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX was my servicing company prior to Select Portfolio Servicing Inc., I've called them on several occasions to provide me an explanation of my amortization not amortizing correctly. My issue is that approximately XXXX cents to {$1.00} is going towards my principal. I was told at one point that everything will come together upon the end of the contract which is in XX/XX/2036. I don't see that happening based on the loan not amortizing appropriately. SPS has all documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX and XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i revived letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and insturaction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I used a nail salon with a Cash App account XXXX. I mistakenly sent cash to XXXX. The owner immediately let me know it was the wrong account and I cancelled the payment and received a confirmation from Cash App that the transaction was cancelled ( see attached ). I then sent the cash to the correct account XXXX which Cash App also confirmed. When i looked at my bank account Cash App paid the correct person twice which is not what i did. I have emailed Cash App back and forth for a week. They kept trying to tell me that I made the second transaction which I didn't and have documents to prove it. When I ask them to show me any documentation that proves I made the second transaction, I haven't heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
A friend sent me {$4.00} through Venmo to pay me back for lunch. I received a text message from Venmo notifying me of the transfer with a link to sign up for an account so I could retrieve the funds. When I followed the link and tried to sign up with my phone number, I received an error that it needed to be a mobile number. I contacted their support with details about my phone service and the fact I had already received an SMS message from them, and their response was that they only support mobile numbers from cell carriers like XXXX, XXXX, XXXX. 

My phone number is fully capable of receiving SMS and I have used it with other services using SMS for things like XXXX, but it is not tied to a cell/mobile XXXX. I have a number with XXXX ( https : //jmp.chat/ ), which some might see as a VoIP service. I do not think it's appropriate for Venmo to exclude numbers based on arbitrary criteria if those numbers are capable of functioning with their service. I do not have phone service with any other provider but XXXX, and I do not have a phone that can install apps from the XXXX XXXX XXXX or XXXX Play Store. 

Begin personal information : My phone number that I am trying to sign up with is ( XXXX ) XXXX. It was previously with mobile carriers including XXXX and XXXX XXXX, and I have had it for over 15 years porting from provider to provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
My wife used our personal credit card ending in XXXX to pay a merchant XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, for services for a new business that she started. 

Once the business was established she requested the merchant to stop the services. 

The merchant has continued to bill my personal card despite our objections. 

We called Chase Bank to dispute the transactions, but they declined our dispute on XX/XX/2018. I called Chase on XX/XX/2018 to close my credit card account, but Chase rep advised me to request a change to the account number instead. However, the same merchant managed to bill my credit card once again. 

I called Chase once again, but they are unable to STOP any future charges from this merchant even when they are no longer authorized to do so. The merchant is not listening and continues to charge my card and Chase Bank is unwilling or unable to help. And they have stated that I will continue to be charged even after I close my account. 

At this time, I am at my wits end. Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2023-01-08
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX My husband and I went to purchase two recliners at a Macys furniture store. The sales clerk suggested we open a Macys credit card to get an addition percentage off since it was XXXX XXXX XXXX and I was denied. She tried again per phone this time and I was granted a {$500.00} limit. I was so embarrassed during this Long process in front of other waiting customers. I said No I didn't want that so she ran my husband credit card application and he was accepted at {$10000.00} limit. My credit is better than my husband and we couldn't understand. A letter was sent to me stating the decision was made because unable to verify identity information by XXXX, So on XXXX I called the phone number listed by Macys on the letter and was told the account I didn't want was open for the {$500.00}, So I asked to have it closed and to find out the specific reason for my denial and the Macys customer service rep XXXX Yelled at me and Hung up! She was so UNPROFESSIONAL and RUDE! My husband was present during this call. Then I called XXXX and they said they had no idea why I would be denied since I had a XXXX XXXX XXXX from them and XXXX from XXXX, and XXXX XXXX. I'm not sure if my denial was myself being a XXXX XXXX and my husband XXXX, XXXX, Citibank, or XXXX. I have no idea if any of this is illegal, but it have been a HORRIBLE EXPERIENCE! I appreciate Any help. I can provide any paperwork needed. THANK YOU SO MUCH!

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 2020-06-01
Company: EQUIFAX, INC.
State: LA
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 a victim of idenity theft.I have accounts in my name that I did not authorize. Please help [ me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my loan with Freedom mortgage in XX/XX/XXXX. In XX/XX/XXXX I received a notice stating there was a shortage on my escrow account. Upon review of my documents I found there was {$580.00} that was was withheld for taxes in escrow, and only {$250.00} was applied towards the new loan. In addition, there was 2 fraudulent fees charged to my account AFTER the close of escrow, and were not disclosed on my final closing disclosure. There was a {$170.00} recording fee charge ( this is a duplicate charge as the recording fee of {$150.00} was paid through escrow ) on XX/XX/XXXX, and a final {$190.00} charge on XX/XX/XXXX with no description just states " fee ''.

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 2018-07-20
Company: JPMORGAN CHASE & CO.
State: OK
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:
My name is XXXX XXXX and on XX/XX/2018 I visited XXXX XXXX in XXXX  XXXX, Oklahoma and while I was there I had made a deal to buy a new truck. As we were making the deal we had an understanding that the financing would go through XXXX XXXX do to rebates and I asked to make sure that we agreed that there would be only one credit inquiry and that it would be for XXXX XXXX the sales manager assured me of that then I go back to finance do the paper then the next thing I know Chase bank has pulled my credit. I then inquire about this and I am told that they have an agreement with Chase that they can look at every deal that is made even if there is no chance of the deal being made using Chase bank because I can be 100 % positive that there would never have been a deal done with Chase bank. The next day when I talk to the finance department about this issues and having the inquiry removed because of the misleading ways that they did and the fact that they can have agreement with a bank that they can pull people credit even if there is no chance is wrong then on XX/XX/2018 the finance manager informed me that XXXX nor Chase bank would be doing nothing about this and that I am stuck with it on my credit this is the second time they done this to me

Company response to consumer: Closed with non-monetary relief