BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-04-30
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:
TransUnion deleted the inquires on my credit report. Later TransUnion added the same inquires back on my credit report without giving written not ice five days prior to them re-adding them. I contacted TransUnion in good faith to ask them to  delete the inquiries that they had illegally readded them. I spoke to  XXXX  ( will not give me a employ ee ID or last name ) on  XX/XX/XXXX  a  ro und   XXXX   and she refused to do anything about it. I explained that I know TransUnion ha d two co mputer glitches, and also that I know my consumer rights. She said nothing can be done.     XXXX / XXXX  -      XX/XX/XXXX     XXXX  -  XX/XX/XXXX   XXXX  - XX/XX/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 2021-03-11
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the Zelle application. I have never used this before but saw it was available in my banking application ( XXXX  ) so figured it would be safe. I sent over {$750.00} to Zelle account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the Zelle account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via Zelle is {$750.00}, he asked me to use XXXX XXXX  and send {$430.00} to XXXX  XXXX  username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through Zelle on Monday, XX/XX/2021. I sent the money to the same Zelle account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/XXXX {$830.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2200.00} I send the merchant iknowlodgment of latter for canceled service and refunds my full amount, chase credit card Dispute department refuses to credit or issues my refund back to my card and delay the process and send me Computer standard generated respond Same respond to all the disputes without any no response from the motion and the show is a valid charge XXXX credit card services is not working the right consumer right and hoping for me to give up my Dispute there for I need exercise my right with this practice credit card is is doning against it 's consumer chase visa credits card also threat to report my card or dispute resolution to the three report agency without my approval from me or discussed with consumer frist of any knowledge, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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 XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
First of all when I consigned these loans I did n't know the difference between federal and private with Sallie Mae. The interest was anywhere from 10-13 %! I begged for consolidation at 4 % when the XXXX were doing that. This is how I found out these were private loans and they did whatever they wanted, they did n't follow federal guild lines. we could not make the huge payments and they would not work with us at all. We defaulted. They are now threatening to attach wages and sue. I would be willing to make reasonable payments if the started over and added 4 % interest to our loan! NO ONE should have the right to charge 12 % interest! My question to you also is, can they attach wages or retirement funds. Thank you for your help. We need to pass H.R XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am a mutual costumer of Bank of America and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said " the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said " there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: GA
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 I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX DOD XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX  XXXX XXXX, XXXX ; XXXX XXXX - XXXX  XX/XX/XXXX ; XXXX XXXX - XXXX  XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America - Acct XXXXXXXXPrevious Complaint # s XXXX, XXXX, XXXX, XXXXXXXXOriginal HAMP loan paperwork was sent to me that included the name of the original co-signer on the loan. The original co-signer holds no interest in the property, it has been quick claim deeded to me 100 % and the XXXX XXXX XXXX XXXX office shows only my name on the deed. The loan re-modification did not take into consideration the co-signer as to income and only my information was utilized. Final contract papers were sent to me in my name solely. However, recent mailings with regard to current operational aspects of the loan continue to contain the previous co-signer 's name. In a verbal conversation with XXXX XXXX on XXXX XXXX, 2015 at XXXX, I was told that : 1. Despite my sole signature on the current loan documents where I accept 100 % responsibility, the original co-signer would still be on the loan ; 2. XXXX XXXX in effect admitted to me that Bank of America had no intention of ever removing the second borrower from the loan, I told him what prior verbal agreements had been made and he assured me that I was incorrect and past information had been misrepresented to me as he had the correct answer and that despite what I signed he would only be removed if I refinanced the loan. This, therefore tells me that the paperwork I have been requested to sign is a willful misrepresentation of fact designed to get my signature and finalize a fraudulent modification. In prior conversations with past customer relationship manager XXXX XXXX a representation was made to me that upon completion of the final loan documents ( that hold my signature alone ) the original co-signer would no longer be on the loan. A verbal agreement was made on more than XXXX occasion and now I am being told something completely different. Bank of America has willfully misrepresented their position to me in an effort to obtain my signature under the guise of the loan modification, tendering only my name and not that of the original co-signer as agreed to by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My mortgage payment in XX/XX/XXXX was refused an sent back to me because i had XXXX late payments and they wanted them in full, so after going through a separation with income loss in in late XX/XX/XXXX I lost my job of XXXX years and i have applied for help with this bank roughly XXXX times in the last 6 months only for them to never accept XXXX packet as being completed and able to work it out. No XXXX packet has ever been sufficient for these people. Its a FHA loan so by law they have to offer me a way to save my home.. Since then my daughter started receiving social security and i am self employed, none of those documents have been sufficient. My house sold on XX/XX/XXXX and the bank did not notify me of any kind of sale date or that it in fact had been sold nor have i been given a fair chance to qualify for any programs designed to help me being a single mom. They have been nothing but poor in communication and with keeping me informed of whats going on. My csr changes more than the seasons so no one ever knows whAT IS GOING ON

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 2021-03-11
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yes my name is XXXX XXXX XXXX. There is a company called Fox Credit company that reported I owe them {$1200.00} from XX/XX/2018. I Have never done any business at all with this company never have been to this company.an have never talked to them in person, or by phone, an I have never got any mail from them telling me I owe them money an why .I have contacted them an disputed this letting them know they either have me mixed up with someone or someone used my identity. That it has nothing to do with me they would they remove these false aligatons off my all 3 of my credit reports. ( XXXX, XXXX, an XXXX ) but they refuse to remove it. So I have no other choice but to contact yall. If it was me they should have atleast contacted me by mail or by phone an told me why I'm being charged this .please help me resolve this matter. For it's hurting my credit score I'm working hard to make as good as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX of XXXX for move out repair on apartment rented by me and my son, in the rental office in XX/XX/2020. Me and my son have received several calls and letters from debt collectors IQ Data Inc, stating it has not been paid. I have emailed, mailed ( certified return ) copies of money orders and receipt of payment. They have my son credit card number and have charges payment on XX/XX/2020. I have called the rental office and the have notified them by email that this debt was paid. I have spoke with several rep and supervisor XXXX and company continues to run my son card and states that payment should have been paid to them. As of XX/XX/XXXX ; XXXX  be have paid {$1000.00}. Bill was {$690.00}, which I paid {$650.00} on XXXX XXXX. IQ Data continues to run my son cards, regarding of my calls, email that was sent that it was paid. I asked rep and supervisor not to do this, and they informed me that my son card will continue to be ran. Please Iam asking for help, this company continued to do what they want, and I cant do anything to stop them.

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 2022-05-31
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 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
the problem company robinhood brokerage will not close my account for the last 3 months.they asked me to veriy me i have done that same email more to verify i just want the account closed and mail me my funds of balance im no sendimg anymore infomation to them close my account

Company response to consumer: Closed with explanation