BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: ALLY FINANCIAL INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
Hello my Complaint is the Bank involved Ally Bank mainly i Lost my Job a long while ago when i had the account and i Stupidly overdrafted some and ended up owing Ally bank XXXX XXXX  because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX  and my Problem is me owing them XXXX XXXX  has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing ally XXXX! XXXX  only XXXX XXXX  and possibly my XXXX  account is mixed up in it as well closing out owing them XXXX XXXX  because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX  is spend the money before paying XXXX  but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX credit union and XXXX XXXX and this XXXX XXXX  a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed tXXXX XXXX XXXX but its XXXX XXXX  if XXXX  is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX  XXXX for an account they sent me this letter saying my early warning score is high risk

Company response to consumer: In progress
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I XXXX XXXX, on XX/XX/2022 attempted to deposit a check in my personal account from XXXX XXXX XXXX, the company in which I am employed by mistake. At that time I was accused of fraud and that check would be held unto further investigation. After further investigation I was proven to be be innocent of fraud and the check would be sent back to the sender. At this time, almost a year later I myself XXXX XXXX or the sender XXXX or XXXX XXXX has received the check or any funds. Capital One closed my account and will not give me anymore information on this matter.

Company response to consumer: In progress
Consumer complaint received 2022-12-27
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-09
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am an identity theft victim. My computer was hacked in XX/XX/2018 while attempting to get customer service over the phone from XXXX for a printer installation. XXXX XXXX confirmed that all my information had be compromised. My email was compromised by receiving fraud emails from XXXX XXXX. I have been a victim of theft of my bank and credit accounts. XXXX is one account that has been established during this theft. I have submitted identity fraud reports and police reports to all credit bureaus as well as this company. They continue to harass me as I am a victim.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to Experian on multiple occasions, instructing Experian per FCRA to remove inaccurate information from my credit report/profile. These inaccuracies are damaging to my life and have contributed to hardship ( s ) suffered by me and my family, whom I am responsible for providing for by defaming my name, image, likeness and character.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 
I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-11-06
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor, " OneMain Financial '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/2023, i received letters from XXXX XXXX  XXXX announcing they have closed my personal credit card and 2 other business credit card due to the Transunion credit reporting saying unsatisfactory performance on my credit card! 
I called, no one could explain more than Transunion reported that to them ... no investigation if this was true or anything .. this is PURE violation of my rights! my credit score is at XXXX! never been late, missed a payment, over used my card more than 10 %! 

and Transunion marked the closed account as : canceled by credit grantor!! it is absolutely FALSE! 

They closed my account associated with my social security number without my permission nor providing reasonable proof! 
I demand they reinstate my credit card and give me damages for this! it is against the law to provide false information on my report and they caused my businesses a lot of issues as their false information terminated my accounts too. I am not letting this pass, i know 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 2021-01-26
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/2020 I had my debit card information stolen and had money taken out of it. I called Chase bank to file claims for fraud, but they sent back the money in my account that was used and is now trying to get me to settle a {$2000.00} debt for a reason I am unsure of. All I wanted was for my money to be returned to me, which it already has, and for the account to be closed. But now I owe a debt that shouldnt be owed to me. I called Chase Bank collective services but they didnt give me a proper explanation to why I owe the money and they said I owed the money because my claims were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have continually followed up with the companies as well as the credit bureaus of trans union and XXXX  and they refuse to remove the information or provide any documentation to substantiate their position.

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 2020-12-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently reviewed a copy of my credit report. I consumer XXXX XXXX notice that there are several inaccurarices on my report that I didnt authorize. These accounts are violating my rights according to the FDCPA. The credit reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is runing your reputation and its defamation of character. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Synchrony bank. Opened account with a {$100.00} opening balance. The account was placed on restriction. The restriction has not been lifted. The information needed to lift the restriction has not been provided. This has been going on for over 10 months. Notes on file say money will be returned to originating bank. This has not been done. No satisfactory information is being provided. I want to close the account and walk away.

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 2023-11-28
Company: SYNCHRONY FINANCIAL
State: SC
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: Problem with personal statement of dispute

Complaint:
Ive had an open dispute now with PayPal credit for probably over a year I found dispute with you guys asking for documentation proving that it was me that made the charge because I filed a fraudulent charge so just depends few weeks Im getting a lot of harassment email emails and text messages And letters in the mail regarding this charge that they want me to pay for. I asked them five times to close. My account told him that I wasnt paying for something I didnt charge unless they can prove otherwise Im not paying for it so now theyre retaliating against me And how theyre doing it by violating my rights two days ago they went and notified the credit bureaus that my account is delinquent its more than 90 days late and my credit score drop XXXX points. Oh wow its still under dispute. Within the past two weeks. I had two phone calls with them, and both agents told me to disregard the messages as it still in dispute, after that two days went by they notify the credit bureau again stating that my account was closed and they backdated it to XX/XX/ XXXX  that was after they reported my account delinquent two days prior. Theyre making inaccurate false reports on my credit. I disputed it with two of the credit bureaus XXXX XXXX and XXXX because I know they both received information from PayPal credit. I asked him numerous times for documents they refused to give it to me. They sent me like four months of my statements, so now I believe theyre doing this intentionally and because of that my credit score took a dramatic drop of XXXX points and theyre violating the law because its 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 2023-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was informed on XX/XX/2023, that my checking and savings accounts with JP Morgan Chase are closed. There is a remaining balance of {$27000.00} in my checking and {$1300.00} in my savings. They said it was because of suspicious activities but did not say which activity they flagged as suspicious nor give me any opportunity to explain. It has been two months, and there has been no investigation or communication with me regarding the issue. I also did not know when I could hear from them regarding the check. I will be happy to explain what each transaction is about, and I have been a customer with Chase for over ten years. I have been calling Chase every other week to check my account 's situation but have heard nothing back. This is my only bank account, and now I have to borrow money from friends and family to pay the mortgage and living expenses. It is very frustrating that they are closing my account for no reason, and I have no idea how long my money will be held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
trying to remove hard inquiries that were not mine, i did not authorize and credit pulls in the past 12 months

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 2018-03-03
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A Dentist made an appliance for my XXXX XXXX. He put it in my mouth and I said no this is horrible, I don't want it and gave it back to him. He contracted a debt collection company and they have put the collection on my credit bureau reports, trying to make me pay the fraudulent bill of {$2500.00} The Collection company is I C System Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

XXXX has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to XXXX. 

XXXX has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX  stands for XXXX XXXX XXXX XXXX XXXX the Attorney Generals Office and could be precariously posted as XXXX  as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you see attached. XXXX. XXXX failure to remove a XXXX XXXX XXXX, an identity theft account after providing the proper documents. ( XXXX XXXX XXXX  ) And, XXXX. XXXX still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but Inever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you.Please follow the law so that this matter can be resolved as soon as possible. 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 2019-06-26
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX told me that I had a debt with them. I faxed a letter to XXXX, as the CFPB directed to ask for clarification. I did this on XX/XX/2018. I have still not received a written notice of clarification. So, I assumed that the debit was invalid. I was then contacted by a collection service ( XXXX XXXX XXXX XXXX ) trying to collect the debit, on XX/XX/2018. XXXX had still not provided me with a written clarification of the debt. The CFPB website stated that if they tried to seek judgment for payment of the debt without first providing written verification, they would be in violation of the Fair Debt Collection Practices Act. 
Now, I have been contracted by a second collection service ( XXXX, XXXX ). I sent them the information about the lack of clarification on the debt by XXXX. I then received a letter from them saying that they had determined that the dispute was not valid. They also send me another copy of the bill. The State of California currently has enhanced debt collection laws intended to provide protections beyond what is currently required by the Federal Fair Debt Collection Practices Act. Senate Bill No. 233 states, A debt buyer shall not make any written statement to a debtor in an attempt to collect a consumer debt unless the debt buyer has access to a copy of a contract or other document evidencing the debtors agreement to the debt. Neither XXXX or XXXX has provided with this verification, which I first asked for in XXXX, filed on XX/XX/2018.

Company response to consumer: Closed with explanation