BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( XXXX ) 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. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX 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 2017-10-19
Company: Resurgent Capital Services L.P.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First I would like to address the problem I am having with XXXX as I have researched and started my own credit repair back in XXXX or XXXX XXXX has asked me to verify my identity three times which I proceeded to do. Now here we are in XXXX and I have not heard anything else from them. I sent them a letter prior to the data breech explaining to them that I was not impressed and I did not appreciate the no response as I do know my rights with the FCRA. I was also a part of the breech and that would make three this year. I have had multiple hard hits for loan inquiries that I have applied for or credit and I am constantly keeping track of my credit now for this reason, and see these. I originally filed with FTC.gov a complaint and a report with a 90 day freeze. Plus I was placed on the DO NOT CALL LIST and yet I was and am still getting calls and it seems that the freeze did nothing to help. I am overwhelmed by this and upset it 's also damaging my credit even more so. I also have a complaint against XXXX XXXX and XXXX XXXX Collection agency as well as XXXX XXXX XXXX The last two mentioned are both reporting on my reports for the same debt and I know that, that is illegal and this account is not mine and they are now refusing any response that I have requested from them as well as XXXX XXXX. What do I have to do? Sue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CHASE BANK CLOSED ABOUT MY ACCOUNT B/C I REPORTED TO CFPB THEY HAVE VIOLATED ALL MY CONSUMER RIGHTS NOT LETTING ME HAVE AN ACCOUNT. XXXX I REPORTED THEM ' FROZE MY ACCT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: TransferWise Ltd
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
- On XX/XX/XXXX, I initiated an international money transfer for {$14.00}, XXXX to an international recipient using the TransferWise.com remittance service. 
- In the prior 6 months, I had successfully performed 6 remittances to the same recipient without issue. 
- I paid a fee of {$130.00} to Transferwise to conclude the transaction within 3 days - By XX/XX/XXXX the funds had not yet been received by the recipient. 
- On XX/XX/XXXX, I contacted Transferwise customer support to inquire as to why the funds had not yet been received by the recipient. They indicated that they did not know what was causing the delay but they would look into the matter. They also indicated that they did not know where the funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support again and inquired as to whether they had been able to locate the funds. They said they were still looking. 
- On XX/XX/XXXX, I contacted Transferwise customer support again, but still they were unable to tell me where my funds were. 
- On XX/XX/XXXX, I contacted Transferwise customer support and asked to speak with a manager or have my case escalated. I was informed that there was no escalation procedure and that I should keep waiting for them to try and trace the funds. I asked where my funds were and they said they did not know. I also asked when they expected to have located the funds and they said they could not tell. 
- On XX/XX/XXXX, I contacted Transferwise customer support again to inquire if they had traced my funds and they indicated that they had not been able to make any progress on the matter. At this point, more than 2 weeks had elapsed since I had initiated the transfer. I had also incurred significant financial loss since I had to borrow funds to pay the recipient who should have received the initial transfer. 
- As of today, XX/XX/XXXX, I still do not know what happened to my money and I have not been able to get any resolution from Transferwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: WA
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:
In XXXX I requested my federally authorized free annual credit report. I provided the required information online and was granted access, except to Experian. Experiean demanded that I send personal information through the very unsafe USPS, which I did. After being given all the requested information, Experian has now contacted me AGAIN, demanding the SAME information that was already sent. They have received a copy of my license, address, social security card, NONE of which I am required to mail in under federal law. They still refuse to furnish my my report. 

During this entire process they continue to offer me paid access to my credit file, which is illegal. They are required to provide my report by law and refuse to do so. I have already given the required information, and then again mailed in more information I was not required to give. This is illegal. I have filed complaints with the FTC, MY State Senator, The TX state attorney General, and Texas State Senators. 

I have already provided what is required and they continue to attempt to extort me for a paid credit 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 2021-07-10
Company: Army and Air Force Exchange Service
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the amount. And 3 three years later my wages were garnished for collection fees that were not indicated on the initial statement no validation was provided please see attatched documents attention to date Initial debt $ XXXX in full XX/XX/XXXX with cashiers check that cleared bank Additional fees not reflected in the billing statement that validated $ XXXX In the amount of about XXXX dollars for a Total of about XXXX dollars XX/XX/XXXX Three ( 3 ) years later garnished wages, never received court notice disputed additional charges. Paid additional amount over 5 months Should not have been charged collection fees predatory, fees and unfair, process shady very shady need help and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
I do not have access to my credit report after I disputed some things on my previous report and its says unable to process the request

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 2022-05-04
Company: EQUIFAX, INC.
State: CA
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:
I do not have access to my credit report after I disputed some things on my previous report and its says unable to process the request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had bi-weekly auto-pay set up, to pay half the mortgage amount. Went to cancel the auto-pay but you couldn't do it the evening before, which was a Sunday. Wells Fargo Home Mortgage was closed on Sundays. So, Wells Fargo Bank instructed me to call them first thing Monday Morning, which i did, to stop the payment and cancel the auto-pay all together. But Monday morning was to late to cancel the payment, so they instructed me to wait 24- 72 hrs for the payment to post, then they would issue a refund which would take 48 hrs, Five business days total. The following Monday I called to check on the statues of the refund. to be informed that I would receive the money Wednesday, which is seven business days. I called them several time, only to receive the run around ( extremely frustrating process ) They admitted error! They wouldn't tell me if it was system or user error.

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 2017-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I accidentally submitted bill payments with another institution that used my account at Bank of America. The transactions all occurred on XX/XX/XXXX : {$110.00} {$70.00} {$47.00} Unfortunately there were not funds in the account to cover those transactions, due to transitioning to a single bank account at XXXX. Instead of stopping those transactions, Bank of America allowed them to post to the account and proceeded to charge three {$35.00} overdraft fees. <P/>I contacted Bank of America on XX/XX/XXXX to dispute the overdraft fees, but they refused to be of any assistance, meaning that I have lost {$100.00} due to them not managing transactions properly. <P/>Additionally, despite me having set up account alerts to notify me whenever there is an overdraft, I did not receive that alert until the day after the transactions were posted. Had I known that this occurred the day of, I could have transferred funds immediately to prevent any overdraft fees being charged.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company 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 2022-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter in XX/XX/XXXX to request removal of an account that should have been removed last year in XXXX. I submitted the letter from the creditor proving that this account should be removed from my credit report along with my request. 

It is now XXXX and its still reporting on my credit report This is a violation of my FCRA rights and it needs to be removed. 

Also Ive included a copy of my XXXX Credit Report and XXXX credit report - Equifax NOT ONLY changes information that is AGAIN incorrect but disregards the letter from the creditor and doesn't remove it. Also in another violation because you can not have a payment history on a charged off account. They are reporting this account completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received mail stating that I owed two Capital One credit card bills. I did not open any credit card accounts with Capital One. I did not request to open a credit card account. I was shocked when I got the statements because I do know why or how they would even approve me for a credit card. They both show that they were opened the same time XX/2015. I have written to them letting them know that this must have been an Identity theft. The only charge was cash withdrawal. I asked them to pull the documents so they could check the signature. I asked them to pull the video from the cash withdraw to proved that I did not open the accounts. I did not withdrawn any funds from these accounts. One shows a balance of {$520.00} the other shows a balance of {$470.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX  XXXX points stolen and used at XXXX XXXX XX/XX/18. 
Email account hacked and shutdown with XXXX ( date unknown ). 
XXXX account hacked and shutdown ( date unknown ) Applied for credit card with XXXX XXXX and approved up to {$4200.00} ( XX/XX/18 ). 
Applied for XXXX XXXX account to purchase 3 XXXX XXXX  XXXX XXXX  contacted me and stopped order ( XX/XX/18 ). 
Concerned someone has my Social Security information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: SC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 ) 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. 

DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX 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 2022-05-04
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
XXXX and XXXX I have contacted equifax in regards to my credit report pulling is blank. My 2 different mortgage companies can not access the report. I have submitted documents and talked to numerous representatives. Nothing has changed but them keep telling to send documents of my identity over. I have been faxing for about 10 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MD
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 have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifaxs end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: PMAB,LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. XXXX has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while XXXX has refused to address my concerns. Equifax has provided no resolution and establish no contact to this date. XXXX has been provided with XXXX report reflecting corrected information in response to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
COMENITYCAPITAL/XXXX this was opened in XX/XX/XXXX and I did order some items before XXXX however I had some issues with some of the items that I had ordered and returned them back to XXXX and they are still showing a balance owing the items were sent back in XX/XX/XXXX and i am still getting harassing phone calls from a collection agency from this company who sent this to collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
A Federal Trade Commission Report has been provided and all credit bureaus have been made aware of identity theft. Experian has been provided with a Federal Trade Commission on identity theft and instructed to correct incorrect information and remove fraudulent information from credit report. XXXX has address and respond to identity theft with propriety while Experian has refused to address my concerns. XXXX has provided no resolution and establish no contact to this date.  Experian has been provided with XXXX report reflecting corrected information in response to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase has had me o n a penalty rate of 29.99 % for years. My card has been paid on time for years and my credit sore is in the high  XXXX    XXXX  . Each time I call they say nothing can be done. I understand the credit card act of    2009 provides for issues like this. According to a credit card group Chase is supposed to review accounts and after six on time payments they reduce the interest. I have bee n ON TIME for years. I called just today and got the same run around. Is there something that can be done? I was forced into retirement several years ago and this really hurts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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:
I WAS A VICTIM OF ID THEFT DUE TO THE DATA BREACH FROM EQUIFAX. I HAVE TRIED NUMEROUSLY TO HAVE THE INFORMATION REMOVED FROM MY CONSUMER REPORT BY FILING A FTC REPORT. FILING A POLICE REPORT, AND NOTIFYING THE APPROPRIATE AUTHORITIES.

Company response to consumer: Closed with non-monetary relief