BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XXXX2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: CO
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: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.

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 2023-02-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a chargeback against XXXX XXXX XXXX XXXX for misleading advertising. The apartment they provided was did not match what they advertised and was not habitable according to California tenant laws. 

When the company found out that I had filed the chargeback, they immediately sent the amount to collections, even as the chargeback was pending. This violated the Fair Credit Billing Act.

I tried to explain to American Express that the company had violated my rights as a consumer filing a chargeback, yet Amex ignored these pleas and rejected the chargeback. 

Now I am facing a debt collection agency trying to collect the money from me and trash my credit while simultaneously having paid the full sum through my Amex card and not getting a refund from Amex. 

The problem was made even more weird by the fact that Amex approved one of the two chargebacks I made against this company for a smaller amount, for {$750.00}, that they charged separately, but not for this bigger transaction of {$7300.00}. Both were charged on XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: EQUIFAX, 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:
Dear. CFPB There is incorrect error in my XXXX Credit reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My money was held and I was block from my entire account completely, having no access to make any transactions including my re-accruing bill pay etc. I was also blocked from seeing my account on line. I was left unable to handle ANy of my financial business. While I was told I was not being accused of fraud, I was sent to the fraud department. I supplied the documentation nesessary and no review was done. I also went to the local branch and supplied visual documentation of proper funds etc. if the funds were made available then my account would not be deficient and I was also told a review would be done the XXXX. Also, my account was blocked from any transaction wether or not other funds were available ( and they were ). I was incumbents mainly transaction fees due to this. The bank involved is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion allowed access to someone other than myself to apply for a lease for an apartment using my name and credit report. Transunion allowed 3 fake " previous addresses '' on my report. I typically check my reports monthly if not weekly. A couple weeks prior to applying for a car loan ( XXXX XXXX  ) I had noticed strange unfamiliar addresses on my credit summary and didn't think much about it. Disputed them and they were removed. However, a couple days before applying for the car loan ( XX/XX/ ) I noticed to my surprise a collections agency XXXX XXXX XXXX on my credit report stating I owed over {$10000.00} to an apartment complex in a state I've never even lived in nor have ever visited. My account with Transunion ( as well as 2 other credit bureau 's XXXX and XXXX ) are always frozen. This was all due to Transunion allowing someone other than me, get into my credit report file, allow the criminal to apply fake addresses so the creditors the criminal was talking with would look and see all was in good standing shape for the criminal to use my good credit to apply for an apartment. 
This in return not only interfered with getting the car loan for myself. But also gave my a huge situation problem to have to try and get fixed. In fact I had to have my XXXX yr old mother co-sign on the car loan. Although my credit has always been in the excellent range. 
I have had to have the police come to my house, write a police report to send to this collections agency. As well as call and speak to yet another police sergeant ( in the other state where this criminal activity took place and file a police report there and send that report to the XXXX XXXX XXXX collections agency. As well as spend hours upon hours trying to get this cleared up. 
Noted : police sergeant in the state that this criminal activity took place stated that when he spoke with the mgt that originally filed with the collections agency for their due money, remembered my name, stated a XXXX female late XXXX 's was able to get the apartment however when the apartment complex mgt went to this unknown XXXX woman in her late XXXX 's apartment they found out that she wasn't even the woman living in this apartment complex. It was instead a younger XXXX female with a young XXXX male and XXXX children. Vacated the apartment once they knew mgt was asking questions. They racked up over {$10000.00} in unpaid rent in my name. I believe all due to Transunion allowing this criminal woman to get into my account in the first place?

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 2023-02-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Chase Sapphire Preferred Ultimate Rewards Credit Card that I got specifically for the purpose of receiving points through personal shopping and travel. Over the last 8 months, I have made three separate reservations through Chase 's Ultimate Rewards website ( one round-trip plane reservation in XXXX XXXX and two different hotel bookings in XXXX XXXX. ) There are 'Trip Confirmation ' receipts in my Trip 's folder on the Ultimate Rewards Website that state exactly how much money I spent and how many points I was supposed to receive for each trip : XX/XX/2022 - XXXX points, XX/XX/2022 - XXXX points, and XX/XX/2022 - XXXX points. However, Chase has not given me these points and while two different 'escalations ' were made regarding these matters in XXXX XXXX and XXXX XXXX no one has given me an answer as to why I haven't received them or when I will receive them. 

I have spent hours on the phone being transferred to numerous different representatives, supervisors, ect. all of whom argue over which department is supposed to handle this and none of whom ever gave me any real answers. The higher up I got, the more likely I was to be told I would get an answer before being placed on hold only to end up back at the start of each departments phone system, almost as if they were deliberately trying to get me as frustrated as possible so I would hang up. One day I did just that after three hours of this endless routine and talking to over 15 different people across multiple departments. 

I spent a lot of time researching what type of personal credit card to get and I am incredibly disappointed in the customer service and care that I have received from Chase. As a business owner who was considering switching all of our accounts to Chase, I can no longer say I have any faith in the company 's ability to handle my personal or business finances in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Paypal Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Hello, I have attempted to settle this issue by calling XXXX and PayPal. I have made no less than XXXX calls and initiated more than XXXX chats. Neither XXXX nor PayPal has assisted in resolving the issues. On XX/XX/2023, I ordered XXXX products from XXXX. The total price was {$150.00}. 

I had previously obtained a XXXX time use ( XXXX XXXX ending in XXXX ) credit card for approximately {$350.00}. ( But I only used {$150.00} ) of the allowed balance. I have attached a screen shot of the transaction. 

Of the XXXX items, I returned XXXX. There's screen shot that has this information as well. 

XXXX advises that it is not an XXXX error. PayPal advised that it will be resolved. In the mean time, I have been subjected to PayPal withdrawing and attempting to withdraw {$81.00} repeatedly. ( Causing my account to be overdrawn ) Please excuse all of the screen shot, but this was the only way that I could think of to get you the information. 

Please review. Any assistance that you can provide would be greatly appreciated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received a letter in the mail that Chase Card services decided after careful consideration to close two accounts ending in XXXX and XXXX. They gave the reason as I was associated with an account that was closed before. 

On XX/XX/XXXX, I called into Chase to ask for further reasoning on the closure and to ask for a reconsideration. I spoke to XXXX in the XXXX XXXX office and after some discussion, she refused to give me any more details into the closure. 

She stated that one account was opened in XXXX of XXXX, and the second in XXXX of XXXX. She confirmed the following facts : - zero red flags on either account - zero late payments - no indication that I had committed any fraud I asked her to confirm if there was any details on my account that showed I violated Chase card services. I asked 3 different times and she refused to answer. She stated she can not give any details on why my accounts were closed. I asked to speak to someone who could and she refused, saying that I can not know why my cards are being cancelled. I asked again the question of, " You are saying that you cancelled my card, will not tell me what rules or policies I violated, and will refuse to give that information to me? She affirmed that statement. 

I asked her about opening a card and the underwriting process I went through months ago. I explained that I was cleared to open a card 5 months, violated no terms of the credit card agreement, and now I'm being cancelled without being told why. She confirmed this and wouldn't give me any more details. 

In my time with Chase card services, I have spent more than {$500000.00} with them and had zero warnings about any suspicious activity, had my credit lines increased several times, never had any written or verbal or electronic notifications that I was in violation of any policy, procedure, or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. Also, This is not my home address. I never lived here nor received emails here. 
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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
TRANSUNION IS REPORTING INACCURATE INFORMATION, MY ACCOUNT ( XXXXXXXX XXXX XXXX WAS OPEN IN GOOD STANDING, TRANSUNION CLOSED AND REMOVED THIS ACCOUNT FROM MY REPORT, AND HAS RE-INSERTED THIS ACCOUNT ON MY REPORT WITH A 90 DAY PAST DUE LATE PAYMENT, AND A REOPENED STATUS.

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: 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My auto loan was paid in full. Instead of my score increasing, the credit bureaus said I was a liability to Lenders by paying one of my oldest debts off too soon, and therefore my score was actually decreased by XXXX points on XXXX and XXXX  points with transunion. 
As a consumer I should never be penalized for paying an installment off early considering the high interest rate. 
I never missed one payment and Im falsely penalized for paying my account timely.

The credit reporting agencies are bias and need to be more closely monitored to combat their inaccuracies and prejudices.

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 2023-01-25
Company: Scheer, Green & Burke L.P.A.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been trying to call Scheer, Green, & Burke since XXXX to pay our medical debt. We have left several messages on their automated voicemail with no attempts of them returning our call. Spoke with the secretary and was informed that was the only way to reach them. Total balance as of XX/XX/2020 {$1500.00} from XXXX XXXX University XXXX with reference # XXXX. We have asked them to please call back on my cell at XXXX with detailed voice messages. We would like to make payment plans or pay by credit card. Their statement says to contact them at XXXX. Thank you!

Company response to consumer: Closed with explanation