BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Williams, Rush & Associates, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in contact with the debtor on a recorded call from their phone line. The debtor made very misleading statements to me. The debtor told me that my debt would stay on my record past the 7 year standard set by the CFPB because of the nature of the debt. She also threatened litigation. Her manner was very unpleasant. I believe that she made intentionally false statements in order to deceive me and under the FDCPA in order to attempt to get me to pay the debt. I am disputing and I would like this investigated and also I would like this debt removed. 15 U.S. Code 1692e - False or misleading representations. Bullet # XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-04-25
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged XXXX for a hotel night stay in XXXX for XXXX XXXX XXXX. Unfortunately this was charged to my chase freedom unlimited card at that time. When my daughter and I stayed at the hotel there was a problem with the ac that was above the bed. That ac became broken in the middle of the night and dropped buckets of water on our bed. I tried to change rooms but the hotel was booked. My daughter is XXXX XXXXXXXX and this was not acceptable for us to sleep in a bed drenched with water and the floor full of water. I tried to dispute this charge with chase multiple times with no luck and no recourse. I recently closed out my chase account and paid XXXX for the account. The remaining balance was for the XXXX which I did not agree to pay. Over time with interest the balance has increased to XXXX. Now this is being reported on my credit report as negative given the disservice I was provided with is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a deposit into the ATM at Wells Fargo on XX/XX/2023. The deposit was made for {$1200.00} and I only got credit for {$1000.00}. I directly went into the bank after this happened and they redirected me to call customer service as they are unable to do anything regarding the ATM deposit and also mentioned its happened before. I advised them that whenever I make ATM deposits, I always count the cash before making any deposit since there is a live feed recording on the ATM and it gives me peace of mind that if I make a deposit and I get credited the wrong amount to my account, it is easy to review. Wells Fargo issued a provisional credit on XX/XX/2023 and then reversed the credit. I called Wells Fargo regarding the situation and they said nothing can be done. I find it unfair to make a deposit and not get the right amount issued into your bank account and then get penalized for an error on the bank 's behalf.

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 2023-08-07
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My relative 's XXXX account was hacked on XX/XX/XXXX. This account has not been recovered ( as of XX/XX/XXXX ) and the hacker is still attempting to use it to request money through XXXX. My cousin and I have sent money to each other in the past year. The hacker who stole his identity has a network of criminals with accounts in the XXXX XXXX  who participate in XXXX. The hacker sent me a XXXX on XX/XX/XXXX at XXXX XXXX  requesting money via XXXX and provided the email and name XXXX, XXXX XXXX. I tried to call my relative ( not knowing the account was stolen ) and he responded via text that the email connection was bad. I was asked to deposit in this XXXX account twice within minutes, I did deposit {$550.00} and then {$1000.00}, and a third amount was requested but by that point, I was suspicious because this had been done via texts and not voicemail. I attempted to cancel the transfers but they went through very fast. On the morning of XX/XX/XXXX, I contacted the fraud department of Wells Fargo XXXX and explained that these two transfers were push authorization payments obtained through fraud by a criminal who had hacked into a XXXX  account, therefore unauthorized ( Federal Reserve Board Reg E ). On XX/XX/XXXX ( date on letters ) Wells Fargo sent two letters ( one per claim ) stating they had received my claims and on the same day, they wrote two letters explaining that my claims had been denied because they determined the transfers were completed as requested by me. So Wells Fargo knows what financial institution and what account my money went to ( the XXXX XXXX  account of XXXX ). The fact that this transfer was completed as a result of identity theft was not taken into account. They have not even reported XXXX XXXX 's email address XXXX as a person in a chain of scams and fraud in what appears to be an international hacking operation. My bank seems to be protecting these criminals more than protecting me. I have filed a report with the FBI and the Federal Trade Commission and also with the State of NM Office of the Attorney General ( they have called me and guided me through several steps ). As a US citizen, I am concerned that this XXXX  hacker targeting US Bank account holders who have relatives abroad can continue to hack and steal via his chain of criminals with bank accounts linked to XXXX. Wells Fargo is not even flagging the account used to steal my money and has not provided me with any information about the owner of the account. I know nothing has been done because I can add the hackers account to my XXXX and it is still viable and there is no warning about the XXXX accounts connection to a crime. I have already called the FDIC at XXXX ( who has also provided guidance. )

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have recently applied for an apartment and was denied for XXXX apartments because of this unlawful collection according to the 15 U.S.C 1681 this should not be on my credit because this is inaccurate information I am currently homeless and so this inaccurate information is causing me to get approved.

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 2022-12-27
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: First Technology Federal Credit Union
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a customer with XXXX XXXX XXXX XXXX for my home mortgage. My monthly payment is XXXX and I pay through automatic payment each month. However, on XXXX, my month payment increased to XXXX due to XXXX changes. I did not aware of this payment increase. On XXXX, I realized my automatically XXXX payment was returned by XXXX XXXX, because their system can not process partial payment, and they charge {$220.00} as late fee. I called the bank and asked them to refund me late fee many times, they rejected 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 2023-04-25
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
my XXXX was repossessed, and the account was charged off but still shows a balance due, it was charged off in XXXX of 2020 but states it was repossessed in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: World Acceptance Corporation
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act World Finance 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 I also state a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING - XXXX has violated several of my consumer rights. 
In accordance and pursuant to the Federal Credit Reporting Act ....

15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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.

I did not receive a letter of right to dispute. I have disputed LVNV Collection Services with all 3 Credit Agencies on several attempts ( XX/XX/2022, XX/XX/2022 ) and they have not only removed the errors but recently the dispute came back verified. I know that the verification is frivolous due to the time it took to verify knowing that they did not speak to a live person. Please see to it that they comply to the full extent of the law as their noncompliance has devastated our family 's financial stature and defamed our character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX  that saves wild mustangs and assists our nations veterans with XXXX. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus Transunion, XXXX and XXXX. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all XXXX major credit reports : Site : Number of Breaches Type of XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number/Phone number/ XXXX passwords XX/XX/XXXXXXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON TransUnion, XXXX and XXXX ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX XXXX plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity

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 2022-11-10
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:
In proper use of credit reporting. 1 15 usc 1581 section 604 section 2 I also state a consumer reporting agency can not furnish your information without your written consent.3 In accordance with the fair credit reporting act XXXX  account number has violate my rights.

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 2022-11-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2021 my Amazon CHASE CARD, was hacked. I immediately called Chase and closed the card. Chase Bank not only did NOT close the account but issued new accounts to the fraudsters in California-I live in Florida enabling the thievery to continue. The Fraudsters continued to charge up to XXXX dollars-with statements sent to CA so I was unaware they did not close the account. After no joke-over XXXX phone calls and the phone run around it can not get this resolved. 
I went to file and Police report, and they requested the statements from XXXX XXXX. After giving them my correct address-they sent the statements to the Fraudsters in California as well a fraud paperwork I was to fill out-not once but TWICE. 
As of yesterday I was unaware Chase kept an account STILL OPEN under my name. 

I have been lied to " we don't have a legal department, '' " I closed the account, '' " I mailed you the statements. '' CHASE BANK is RESPONSIBLE FOR NOT CLOSING THE ACCOUNT, ISSUING COUNTLESS ACCOUNT AND ENABLING THIS TO CONTINUE FOR ALMOST XXXX YEARS. I HAVE CONTACTED LEGAL COUNCIL AND AM READY TO SUE FOR NEGLIGENCE, HARASSMENT, SHARING MY PRIVATE INFORMATION, LYING, AND XXXX YEARS OF STRESS AND ANXIETY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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:
Did not give consent for more than one hard inquiry. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not give consent for than one hard inquiry. 
XXXX XXXXXXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not apply for these cards. Did not give consent. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation