BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 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 2023-08-25
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It seems that this company violated my rights under 15 USC Code 1661 by releasing my information without written consent, affecting my credit report. This is a breach of my consumer 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 explanation
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, Wells Fargo alerted me of a returned check that I had not seen/known of. As of XX/XX/XXXX XXXXXXXX XXXX i had $ XXXX in my savings, and a little over {$400.00}. I woke up to being in the negative, $ XXXX under. I called and put in a claim to the department, from the information they gave me I reviewed my history. According to the history, there had been deposits and withdrawals that needed no approval ( 7 months prior ), unaware to my knowledge. The claims department said an investigation will be done, and to send any other claims of fraud in. The check submitted in the picture is the one in question, and not from the company I work for. My account is still in the negative, provisions were not accommodated. I do not have checks, i do not use checks, Wells Fargo should know that as I have banked with them for almost a decade ; I have never used checks

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 2022-12-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX contacted my place of employment and called me claiming to be outside my home and my job to serve me with " litigation. '' I contacted them and spoke to a paralegal who told me that they had filed a lawsuit against me. I asked him not to contact my job after they had already called my employer and said they had certified mail to deliver to me. He said that he could not stop contacting my employer because they were attempting to process serve me with a lawsuit. After i reveled to him that he was speaking to a lawyer he admitted that it was not actually a lawsuit but a demand letter. He then said he would put a " hold '' on everything as a curtsey and not contact my job but threatened me that if i didn't handle the demand letter they had no issue suing me. The debt they are claiming to collect on is over XXXX XXXX XXXX and i have not heard from this company in over 10 years. He threatened me and was rude to me during the entire phone call. He lied about an active lawsuit which was never filed and refused to stop contacting my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
I discovered an unauthorized purchase later XXXX. The order was placed on XXXX on XX/XX/XXXX. 

I had called my bank for this unauthorized order. I was given credit to my bank. However a few weeks pass by and the bank gave me a chargeback for " XXXX ''. 

I contacted XXXX and they are trying to give me a refund but can't process since chase bank took over. Chase claims that the items were " shipped '' but there is no tracking number on chase claims or XXXX. I am stuck with XXXX $ from XXXX XXXX. 
XXXX said contact my bank. My bank says contact XXXX. XXXX has nothing on statements. 

I also got an email from XXXX saying they were suppose to issue me a refund for unauthorized purchsse but the seller contacted XXXX  and kept the XXXX XXXX XXXX froze my account. ( XXXX XXXX transaction found can not dispute ) Fast forward to the end of the month and chase still denies my claim/refund. 

I have not recieved a single item from this order. Nor chase or XXXX can help me out. 

1.unauthorized order placed.

2. Notified my bank 3. Credit was given to my bank 4. 2-3weeks later i get a chargeback from ebay.

5. The seller never shipped the items and kept the XXXX $ when im stuck with XXXX $ XXXX XXXX items. The bank claims that i have gotten the sellers merchandise. XXXX has nothing to track. 

Dispute number from XXXX ( helping me ) XXXX Nothing from chase. Just denied help from their customer support service. 

The same day i filed an unauthorized charge the seller from XXXX filed his aswell with XXXX 

There is zero reason why chase gave back the money and both are denying a refund. I have been struggling these past 2 months because of this XXXX order of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made 3 large deposits into bank of america, they explained they had to call my Clients XXXX once it cleared I would be set to go. They sent letters to my residence of when funds would be released onl ; y for them to resend me letters extending the hold. 

1st incident XXXX XXXX I deposited the first check for {$21000.00} they flagged it. I was OK with the hold until they decided to extend it yet additional days even after it clearing from XXXX. 
They spoke to my client and gave him their word they would release the funds and held on to them, this caused me fines with my employees and made me fall behind on my projects and lose employees. I felt this was was due to my ethnicity. 

2nd incident It happened yet again on another deposit XXXX XXXX with funds released the XXXX after assuring me they would be released XX/XX/XXXX. 

3rd Incident XX/XX/XXXX clearing the XXXX this is in total violations of 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 explanation
Consumer complaint received 2022-07-01
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/2022, I submitted a dispute for charges to my Home Depot consumer credit card because Home Depot was unable to process a refund even though I left the items in the store ( the full description of the issue is in the dispute I filed ). The amount disputed was {$300.00}. On XX/XX/2022, Home Depot Credit Services acknowledged receipt of my dispute and said they were investigating my claim, per the letter I received. Also on XX/XX/2022, Home Depot Credit Services requested by letter to provide additional information regarding this dispute, which I sent as requested by fax. On XX/XX/2022, Home Depot Credit Services sent a letter stating that the dispute was resolved in my favor and that " [ They ] issued a credit to [ my ] account for the above amount ( s ) and adjusted any associated fees and interest charges. These will appear on [ my ] statement within two billing cycles. '' The amount was {$300.00}, as I had originally requested in the dispute. 

It has been two billing cycles and two phone calls with the customer service center to inquire about the credit to my account because it hasn't been made. They are unable or unwilling to issue the refund as stated in the letter I received on XX/XX/2022. I request a credit for {$300.00} be issued as soon as possible and the employees be trained appropriately to resolve this kind of situations without wasting the customer 's time.

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 monetary relief
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit agency is allowing improper reporting on my credit report without performing required due diligence to ensure fair and accurate reporting. Creditor is reporting payments been made in XXXX as a way to re-age the account and to update the first date of delinquency which is illegal. The first date of delinquency should be in XXXX. While reviewing my report there are a series of 30 day late payments then paid random payments and random 60 day late payments which is completely inaccurate.This has prolonged the damage of my credit and has aided in denials and job opportunities. I would like this account removed immediately, as updating it now does nothing to help me.

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 2022-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hello, I planned to collect the inheritance from XXXX XXXX, But Lawyer XXXX XXXX asked me to pay State Tax to the Manager XXXX XXXX I followed her I paid in the account of XXXX XXXX about $ $ XXXX with the receipts finally, I discovered he was a Tax-fraudster I reported to XXXX to arrest him, refer to my attachments with this message. 
And Lawyer XXXX XXXX, XXXX XXXX XXXX and Chief Leader were con artists to devise deceptive schemes to defraud and appropriate my estate.

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 2022-09-21
Company: Block, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent {$100.00} to the wrong recipient using Cash App on XX/XX/22. I followed the instructions in the app to dispute the transaction and request a refund and the other party simply hasnt responded. CashApp makes no efforts to investigate or resolve disputes like this. In fact, even after contacting support they declined to call or text or send an email to the recipient asking for them to verify the error or acknowledge or process the refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
In XXXXXXXX XXXX XXXX I realized that my credit report was blank. All information missing. A credit score of XXXX. This continues for 4 months until they tell me that there was an incorrect address submitted that wiped my entire credit history. They brought the page back up but since then nothing has changed, nothing has updated and my score remains the same XXXX. XXXX never did this nor had this problem and reports everything and my score is XXXX. The credit bureau wiped me from existence and has now destroyed my credit by not updating my information at all. They still have my information linked to that other address where I have never lived. For XXXX there are no credit reports to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
RE : REQUEST TO BLOCK INFORMATION DUE TO IDENTITY THEFT I am writing to formally dispute the validity of the debt listed under my name and social security number, specifically the account titled " DEPT OF EDUCATIONXXXX  '' ( Account # XXXX ) which was allegedly opened on XX/XX/2015, with a reported balance of {$150000.00}. 

I have no knowledge of this account and firmly assert that I did not open it or authorize anyone else to do so on my behalf. Consequently, I believe that I have been a victim of 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 explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: AZ
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 writing this affidavit to inform that i have been a victim of identity theft and i am just now figuring out how to resolve this issue and restore my credit. During Covid -19, I noticed a dramatic negative change in my credit report. At the time, i was facing a financial hardship and did not have the resources to find Identitytheft.gov or review my scores again until now. I have counted over 30 wrong addresses listed with experian ; 15 potentially negative items from unauthorized creditors such as, 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. As well as over 6 incorrect spellingsversions of my name. One creditor shows someone named XXXX  that i dont know as a Spouse or co-applicant. I have well over 11 hard inquiries and 25 soft inquires that i did NOT authorize.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These loans are from attending University from XXXX. First serviced by XXXX XXXX XXXX then transferred to XXXX around XX/XX/XXXX. While serviced by XXXX XXXX in XXXX, on a leave from college I had applied for deferment when the loans began payment due to being a less than XXXX XXXX XXXX. During the time the application was being processed and eventually approved, I was being penalized for several 90-120 days late payments. This still affects my credit report to this day. I believe these negative marks should be removed from my credit report. Secondly, in XX/XX/XXXX my loans were transferred again to XXXX after applying for PSLF. Since XX/XX/XXXX I have been attempting to get XXXX to report my loans transferred and closed to the credit bureaus. I have been successful with XXXX student loans. I have included letters and spoken with representatives to no avail. I have suffered the consequences of derogatory credit reporting that is simply incorrect.

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 2022-06-08
Company: EQUIFAX, INC.
State: AZ
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 writing this affidavit to inform that i have been a victim of identity theft and i am just now figuring out how to resolve this issue and restore my credit. During Covid -19, I noticed a dramatic negative change in my credit report. At the time, i was facing a financial hardship and did not have the resources to find Identitytheft.gov or review my scores again until now. I have counted over 30 wrong addresses listed with XXXX ; 15 potentially negative items from unauthorized creditors such as, XXXX XXXX XXXX XXXX, Tennessee Dept of Humn SVCS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As well as over 6 incorrect spellingsversions of my name. One creditor shows someone named XXXX that i dont know as a Spouse or co-applicant. I have well over 11 hard inquiries and 25 soft inquires that i did NOT authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have been attempting to move IRA funds from JP Morgan to XXXX since XX/XX/2022. JP Morgan is requiring a XXXX XXXX on the 1035 Exchange / Rollover / Transfer Form, which they say can be provided by my bank, which also happens to be JP Morgan Chase. Chase refuses to issue the XXXX XXXX on my paperwork. I am an insurance agent and can sell annuities, so I am attempting to move some of my funds to an annuity I have written for myself through XXXX. Chase tells me that since I am the annuitant, the annuity owner, and the annuity producer, they are not able to issue a XXXX XXXX  signature on my transfer paperwork. Given this is a requirement from their own company, and will not comply with their own request, they are essentially holding my funds hostage. I have filed a complaint twice with Chase as well as gone to the local branch to attempt resolution and nothing has worked. I was told there was nothing they could do and to attempt to get the signature from another bank. Other banks don't have a relationship with me or know who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation