BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
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: Account status incorrect

Complaint:
XXXX XXXX is reporting this account as a charged off account and also an open account ... that is a clear violation ... look at the 2 year payment history that differs between the 3 bureaus ... account status also differs ... i have asked them on 3 seperate occasions to investigate the accurate reporting of this account and each time they say it is verified as accurate, ,the inaccurate reporting tells me that they did not conduct a full and proper investigation ... .delete this account now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Late XXXX to early XXXX XXXX XXXXXXXX I opened a checking/savings account with JPMORGAN, CHASE BANK XXXXXXXX XXXX XXXX XXXX in XXXX XXXX NY XXXX XXXX 
On XX/XX/XXXX there was a transaction made through XXXX that I did not authorize to a XXXX ... .. for the amount of {$15.00}. 
Note- my wife was not an account holder yet at the above date and the bank claims she authorized the transaction. 
We do not use XXXX we never did. A XXXX representative confirmed that we have never had an account with them nor made any transactions through them via a third party. 

On XX/XX/XXXX my wife becomes an account holder as well and the transactions continue XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} We personally visited the branch, filed a complaint and explained we did not authorize the transaction. We then filed a police report with XXXX police second precinct. 
Our account was restricted, my wife was taken off the account since the bank said all transactions were made using her personal info. 
We took every step we were advised to take for identity theft. 
My account was again compromised in XX/XX/XXXX from a Chase branch in the XXXX where an individual was allowed to change the account phone number using my wife 's info when my wife was off the account and the account was restricted and under investigation. 
The bank assured us they were investigating. They told us to come back with a letter saying the transactions were, in fact, authorized by my wife when they were not. They clearly didn't believe us and wanted the matter to be off their hands. 
we need further investigation of the matter. 
The bank failed to protect us before and after the initial complaint and we are treated as the perpetrators instead of the victims. It is strange that these withdrawals were allowed to occur even after my wife was removed from the account under her name. There was not a single alert that sounded when this occurred to signal theft even after all of our trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX I received a pop-up while using my bank account app to confirm my personal information. On it, I was able to view my SSN which was incorrect. A single number was incremented. I went to the bank twice, once alone to attempt to correct my information and then again with my wife, because it's a joint account and my account information could only be updated when we were both present, and attempted to correct my SSN. A correction was submitted by the banker and on-screen it appeared to be correct. In XX/XX/XXXX I downloaded my credit reports and corrected the XXXX  report where I noticed the alternate SSN had been reported. 

I received a pop-up again in XX/XX/XXXX asking me to check my personal information on my account and saw that the same incorrect SSN was listed on my account. I again went to the bank with my wife. This time we were helped by XXXX XXXX and in addition to correcting it locally forms were signed and submitted to some back-end group to also correct it. At the time I asked to be informed why and when my SSN was changed and what assurances they would be able to provide that my SSN would not be changed again. I followed up on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at which point it was stated that they could only see the current information and had no insight into previous changes. 


Checking my credit reports again this year, I saw the alternate SSN was reported to another bureau ( XXXX ), this time with a reporting date attached ( XX/XX/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 2021-11-26
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan was paid in full on XX/XX/XXXX. However, Navient failed to update autopay and debited {$230.00} from my checking account on XX/XX/XXXX. As of this writing on XX/XX/XXXX, I am requesting a refund and confirmation that auto pay is turned off. They have not been responsive via phone call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: The Outsource Group, Inc
State: NC
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:
MediCredit is showing up on my credit report and hindering my ability to purchase a home. I called the collection agency and they have told me that the original debtor has closed it and they no longer have it. But it is still negatively reporting on all three credit reports. I would like this removed immediately off of my credit reports so it is not effecting me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TRANSUNION I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name as shown on my social security card and birth certificate, and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. XXXX has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by TRANSUNION which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As TRANSUNION would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that TRANSUNION has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that TRANSUNION has caused me. I have had enough of the abuse and unfair practices from TRANSUNION. Pursuant of 15 USC 1681b ( 2 ), I did not give TRANSUNION any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).

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 2019-12-03
Company: WELLS FARGO & COMPANY
State: KS
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:
I contacted Wells Fargo Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of Wells Fargo improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical Wells Fargo ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and Wells Fargo aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and XXXX are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, XXXX Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that Wells Fargo send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.

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 2017-06-12
Company: Empowerment Ventures, LLC
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a RushCard debit card and my online account password was changed without my knowledge, a request to setup a card to card transfer was requested, once set up  XXXX  card to card transfer transactions were requested,  XXXX  for {$390.00} and another for {$600.00} by  XXXX  different people on  XXXX   XXXX   2017 . When I received the alerts via email of what was going on I immediately contact RushCard. I was told that they would further investigate. I submitted a dispute form and a letter to RushCard.     RushCard gave me a credit for the {$390.00} but refuse to give me credit for the {$600.00}. Their dispute department states that they do n't show an error with the transaction for the {$600.00}. I have written several letters and submitted the emails I received from RushCard.     The transactions happened at the same way, by  XXXX  different people at the same time and on the same day so I do n't understand why RushCard is not finding an error with the {$600.00} transaction but find an error with the transaction for {$390.00} When I speak with a representative from RushCard they try to make me feel like I am the criminal and requested the card to card transfer and I know the person who got my {$600.00}. Like I said to them if that was the case than why would I be fighting to get my money back. It makes no sense. I am a single mother who lives paycheck to paycheck and need every dime of my hard earned money. Also, I do n't know of any other RushCard holders to transfer money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion XXXX. XXXX XXXX XXXX, PA XXXX refuses to send my credit report and crdit score for a loan with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX concerning a loan application.

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 2017-06-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with XXXX on XX/XX/XXXX. Complaint about negative posting on XXXX Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MS
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 explanation
Consumer complaint received 2017-06-12
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with Experian on XX/XX/XXXX. Complaint about negative posting on Experian Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XX/XX/XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I  received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still 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 explanation
Consumer complaint received 2017-06-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began the process of repaying my student loans inXX/XX/XXXX. I made an error and missed my first repayment date by three days, so when I payed the loan amount, {$370.00}, I was charged for both the month of XXXX and XXXX. Making the two payments allowed me to get caught up and have some time to save for the payment that would be due on XX/XX/XXXX. In order to make sure I did not miss the date again I enrolled in the Autopay feature so when there is a balance on my account, the {$370.00} would be taken on the due date, the XXXX of every month. I logged onto my account today, XX/XX/XXXX, to make sure that everything was going smoothly since my next due date is coming up in three days. To my surprise I saw that my account had been charged for the XXXX payment, which was two months worth, totaling {$750.00}, again for the XXXX payment, {$370.00}, and again for the XXXX payment. All of this time my total balance due on the XXXX of every month has been {$0.00}, and yet money is still being taken out. When I noticed this I called Navient to discuss what to do since I am still being charged and I am a month ahead. I wanted to have the balance even out so I would have that one month of recovery period to get money back into the bank. I was put on hold and then told I could be helped if I agree to the terms and conditions, I did not think about it until I heard that I would be put on a forbearance because I was not able to pay. This is crazy! I am able to pay, I already did pay, and now they want to charge me interest and say I am not able to pay to make up for their billing system errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been sending my fiance funds for over three years now, each of the other agencies refused to let me send to her after I tried sending a larger amount. XXXX XXXX. Moneygram, and Now XXXX, all of allowed me to send her money. I have been trying to send to her to get back home, yet again XXXX cut me off. The same time of year the others have done. It's my money and I'm old enough to send to whomever I want, yet they flagged me into their system. How is she supposed to eat now. Or even return home. She returned to the XXXX XXXX to bury her grandfather, and I'm trying to send the funds to her to pay for grandpa 's funeral. Yet XXXX  will not allow me to send. I have known her and her family for years now, but I can not convince them we are a couple and have officially been for over three years now. That I'm not being scammed, not am I being taken advantage of. I need help getting her money for the return home and finish paying for a funeral.

Company response to consumer: Closed with explanation