BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2017 Transunion finally deleted a medical account that was wrongly reporting. They were the last of the three to delete the account. Recently the account was added back on to the report bringing my score down. I sent them a 5-day rescission letter asking them to remove the account and they did not. It is still on my report, and I would like for them to remove the account permanently. I am attaching the deletion letter I was sent from Transunion 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 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We have attempted repeatedly to verify this debt and have requested documentation on multiple occasions, but have never received a response. I reached out about my husbands account on XX/XX/2018 at approximately XXXX CT. I spoke to 3 different people to try and reach a settlement. One of the representatives informed me that they have supposedly received return mail on multiple occasions. We have verified our address multiple times and know they have the correct address. We receive mail, without issue, at the address. The lady I last spoke to on XX/XX/2018 told me that she would send a settlement agreement letter to me via email that day to review. I never received the email. I called again on my lunch break at approximately XXXX CT on XX/XX/2018 to check the status of the email. I was again told it would be emailed shortly. By XXXX CT on XX/XX/2018, I had still not received the promised email so I called a third time. The representative told me this time that emails were not allowed to my state, but if her supervisor sent me an email and I replied confirming it was okay to send information, they would then send me the documentation of the settlement. She promised the email would be sent immediately after the call. I have yet to receive an email. I really feel this company is refusing to provide any documentation of the debt or agreed settlement and we refuse to pay until they provide something in writing. Through multiple attempts over at least the last year they have not verified the debt as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, INC.
State: IN
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:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX inquiries are : XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a customer of chase bank and have been for years. On XX/XX/XXXX I noticed transfers of XXXX, XXXX, XXXX, XXXX and XXXX dollars being withdrawn from my account, there was also a deposit of XXXX. I then immediately go to chase bank to dispute the transfers and restrict my account. As the information about the transaction started to unraveled I found out that someone in XXXX, Texas stole my identity and added themselves as a signee to my account. I was able to get the ID number on the ID card And the XXXX XXXX card the person used for another form of identification verification. I was told I would need to be in the bank in order to add someone to my account as a signee. While this is impossible at the moment because Im in California. This nefarious person was able to use my identity in Texas to add themselves to my account and steal XXXX dollars from me. I thought it was an easy fix with the bank but I filed a claim two separate times and to no avail they denied my claims. I am extremely saddened, distressed and traumatized over this fraudulent action and negligence by chase. They are not honoring there part of the agreement which is to provide a service of protection for my finances. Chase allowed someone to steal XXXX from me and they wont fund my money back to me. I really need help in the situation because I have never encountered such negligent and nefarious behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Chase has been mishandling bills for all my accounts. Chase has changed my address with out my authorization and consent for XXXX account and has failed to change my billing address for another account despite several request and this has now effected my credit score as we moved from that location and were not able to receive the bills. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015, an elderly customer went into a local branch of Wells Fargo in XXXX, PA and asked the teller to transfer {$6000.00} from a savings account into a checking account. The teller, in error, transferred the money from the checking into a savings account. This action caused the checking account to be negative. On XXXX XXXX, the customer attempted to withdraw money via an ATM and was not able to because of the negative checking account balance. The customer went into the branch for assistance and that is when the teller error was discovered. The branch reversed what they did and that brought the account into the positive. The branch manager apologized for the error, assured the customer that fees had been reversed and the customer leaves. Later that same week, the customer attempts to take money out from an ATM and again, there was no funds available. The customer goes into the branch again to see the branch manager. The branch manager advised the customer that this issue was his fault. It was the customer 's responsibility to monitor his account on line and that it was his own fault that the transfer was done backwards and that had he reviewed his account on line, this would never have occurred. Then the branch manager lectured the customer to the benefits of paying bills on line. The reason the customer was not able to withdraw funds the XXXX time was due to the branch reversing their error, but never actually doing the original transfer. Upon reconciling the checking account, the customer discovered the transfer had not taken place and the funds were moved at that point. It was also found that not all of the fees incurred were not reversed entirely, but only partially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While reviewing my Best Buy statement I noticed a charge for " Fees '' in the amount of {$15.00}. I called Best Buy and was informed that the fee was for " fraud/credit protection ''. I stated to their representative that I never ordered this coverage and did they have any documentation of me ordering such coverage. The rep. said no. I asked how long have you been charging this fee. I was told, " Since 2009 ''. 

I couldn't believe it. I asked for the protection to be cancelled and refunded. Their representative cancelled the service and stated that he would forward a request to the appropriate department. 

I received a letter today from Best Buy Credit Services informing me that " Because your account was protected by the program benefits through the end of the billing cycle in the month in which you cancelled, any previously billed fees are valid and non-refundable. '' I will be sending Best Buy Credit Services a response stating that the fees are refundable because I never ordered Enhanced Debt Protection. 

I appreciate any assistance in recouping my over 11 years of unauthorized charges. 

Thank you ....

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 2015-12-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank checking charged me XXXX separate {$34.00} NSF fees for minor consumer purchases ( e.g. {$5.00} XXXX charge turned into {$5.00} + {$34.00}, etc ). I had a gap in funds for about 24-48 hours, and transferred in to cover the " insufficient funds '' within XXXX hours for all of these. The bank rejected my request for NSF refunds and used some complicated bank accounting schedules to dispute my request. My request is a refund on all XXXX {$34.00} fees since I had transferred funds into the account promptly to cover minor consumer purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: IN
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 to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: CORELOGIC INC
State: LA
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:
CoreLogic Inc. 
1 CoreLogic XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern : Firstly, and foremost, I am a consumer as defined under 15 USC 1681a ( c ). The term Consumer means an individual. 

A review of my XXXX consumer report revealed that CoreLogic Inc. had illegally reported / published information on my XXXX consumer report. 

In accordance with the FCRA and pursuant to 15 USC 1681 Section 602 states that I have the right to privacy. CoreLogic Inc. illegally shared my personal information with an unauthorized third party ( XXXX ). 

Furthermore, and pursuant to 15 USC 1681 Section 602 also states that a consumer reporting agency ( CoreLogic Inc. ) can not furnish an account without my written instructions.

I never gave CoreLogic Inc. permission to report, publish, or share my personal information with anyone. Therefore, I demand that CoreLogic Inc. DELETE any information that they provided to XXXX from my XXXX consumer Report. 

CoreLogic Inc. has violated my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). This is a FCRA violation.

CoreLogic Inc. has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. This is a FCRA violation. 
These FCRA violations by CoreLogic Inc. has resulted in damage to my reputation, character, and credit worthiness.

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 2021-11-16
Company: EQUIFAX, INC.
State: MD
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/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased a supposed patio set from someone on XXXX using XXXX on XX/XX/2022. The person used a fake profile under the name of XXXX XXXX. Offered patio furniture at a house that wasnt theirs. I asked for the money back and they blocked me and declined my request. Same scam used in XXXX. Contacted the police, FBI, XXXX, and my bank.

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 2020-06-09
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I talked to XXXX  XXXX ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for XXXX ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit report from transunion and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from transunion stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which 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 explanation
Consumer complaint received 2022-05-13
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, my wallet containing my debit card and bank information was lost and I received an unauthorized charge of {$540.00} on my debit card. My bank is refusing to dispute the transaction and refund me because they claim my pin the chip were used. However I did not make this transaction. I attempted to contact the merchant but they stated they were only able to refund fraudulent online purchases and this purchase was made in-store.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was paid off in a settlement through Pollack & Rosen for XXXX XXXX XXXX. I have a letter stating the account is paid in full. However, it is now XX/XX/2022 and XXXX has created a new account number for the {$2900.00} which was forgiven in the settlement, put it back on my credit report as being owed and reporting late payments. I have reached out to them multiple times and they say it is in the process of being closed but it is taking time. We believe they are stalling in hopes to collect the balance they agreed to forgive. We have disputed it on our credit report and XXXX came back verifying the information is correct and states it is still owed. We have had our lawyer contact the credit bureaus telling them to remove it off my report based on the letter stating paid in full. However the credit bureaus have listened to the debtor vs using the letter from there lawyer representation stating the account is paid in full. This refusal of XXXX to correct and honor their settlement has caused issue on my credit report and is a true violation of 15-U.S.C.A. Sec. 1681i. We can provide the documentation from all lawyers to show this account is paid in full and should be removed with no late payments reported. Since they notified the credit bureau when we disputed the account on our credit report they returned it to them as valid an still owed. This shows additional continuation of deceptive practices on their side. Our next step is to sue them with our lawyer charging them for the legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting my previous mortgage account as currently 30 days past due which is impossible. The loan is paid in full and pays as agreed. I am filing this with CFPB as a pre-cursor to engaging legal counsel. This is BLATANT and malicious reporting by Transunion and I will not be bullied. See below from Transunion : Account Name Balance Balance Date Monthly Payment Term XXXX XX/XX/2015 XXXX Account Details Payment Status TransUnion XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/2015 Status 30 days late Loan Term 360 Loan Type VA real estate mortgage Opened XX/XX/2015 Reported XX/XX/2015 Remarks Closed Creditor Information XXXX XXXX XXXX XXXX , CA XXXX Phone # : XXXX Your 3-Bureau Report is Ready VIEW IT NOW

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 2022-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was suppose to transfer money from my capital one account ( ending in XXXX ) to XXXX XXXX account ( ending in XXXX ) worth {$1500.00} but somehow it went the other way around and money transfer got initiated from my chase account to capital one bank. I had XXXX dollars in chase account so the XXXXXXXX XXXX rejected the transfer which is understandable so me not having enough money, the transfer should not happen. But, capital one bank turned it into a reversal charge and they charged my account {$1500.00} for the transfer not going through so I lost {$1500.00} from my capital one account and now I talked with capital one customer service and the lady said they can not give me my money back and XXXX XXXX can not help me either so I am losing {$1500.00} but none of the banks are willing to help get my money back. 

I initiated the transfer on XX/XX/XXXX but it was rejected and I received a letter about that from XXXX XXXX but the capital one charged me {$1500.00} reversal fee on XX/XX/XXXX and now they are denying from giving the money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CBC Companies, 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 seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.

Company response to consumer: Closed with explanation