BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: Credit Karma, LLC
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a bank account with Credit Karma Spend through XXXX. On XX/XX/2023 my bank started processing all my transactions as double. So every transaction that Ive had from XX/XX/XXXX on, then came back out of my account again on the ninth. When I called into let them know about this, they told me to do the dispute process. I did let them know that the companies that they show have two payments from me do not have those payments so that the dispute process may not be the best option. They did send me the form for the dispute process. I asked them what they would do in the meantime as they took nearly {$700.00} from my account. no one offered to help with the missing money. I asked them how long it would take to get the money back as its a large sum of money, and I have to pay for food and my other bills. I also let them know that I have two payments coming out for other accounts. those declines will cause fees from those companies, and they never offered to waive those fees for me or credit my account for those fees that will be charged. I was told they do not know how long this process can take but its 120 days but until then I have no funds. Ive even asked them multiple times if they could look into why my account is doing this. Because literally every transaction is double charging me at this point. Even my declines are double charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I took my son, XXXX, to the XXXX XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter for $ XXXX from his personal bank, XXXX XXXX XXXX XXXX. When he presented the approval letter to the salesman, he took it back to the finance department to get verified. 
The salesman returned and stated that the approval letter was verified by the bank and my son was " good to go ''. 

After my son, XXXX, selected a XXXX XXXX XXXX, for $ XXXX plus fees, the salesman took the paperwork to the finance department, and returned to us stating that the finance manager said they would let my son have the vehicle, but only with a " backup signature '' ( as he said it ). Little did we know that the salesman was hinting that they wanted me to co-sign, which we both misunderstood what he was trying to say. That's when I made the mistake of giving him my ID. 

The salesman gave us the contract agreement to sign. As I began to read the small print, I immediately told my son " Don't sign that paper ''! My son asked me why? I told him that they changed the numbers on that contract. And I think they ran my credit without my permission. My son 's bank, XXXX XXXX XXXX XXXX, approved him to pay XXXX XXXX/mo., 7.940 % and 72 months to pay it off. XXXX XXXX XXXX XXXX XXXX lot had changed the numbers to 15 % interest rate, {$900.00} a month, which is a significantly higher amount. My son stopped reading the contract, because I said " let 's go ''. I was furious. I told my son we were not going to sign those papers because they ran his credit as well as mine without my permission as well, changed the interest rate and increased the monthly payment. That's when we decided it was time to go. 

This did not make sense to us because my son 's approval letter was good for $ XXXX. That's when we realized they were trying to scam us in order to use their own bank to finance the vehicle for a higher profit. 

They did not have my permission to run my credit. They knew what the procedure was when some one presents them with a pre-approval letter from another lending institution. And this is not what they did. That's fraud. Now, there are numerous hard inquiries on my credit report unauthorized. I did not come to buy a car anyway. 

15 USC 604A section 2 states : state a consumer reporting agency can not furnish an account without my written instructions.

15 USCs 2 ( A ) ( 1 ) : A person shall not furnish any information relating to 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 explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: GA
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:
Senate Bill 332 By : Senators XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX and others AS PASSED SENATE A BILL TO BE 7 BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA : 1 To amend Chapter 1 of Title 10 of the Official Code of Georgia Annotated, relating to selling 2 and other trade practices, so as to provide for certain disclosures by third-party high-volume 3 sellers of consumer products on online marketplaces ; to provide for definitions ; to require 4 online marketplaces to provide certain notifications and a consumer reporting mechanism ; 5 to provide for civil remedies ; to provide for a short title ; to provide for related matters ; to 6 provide for an effective date ; to repeal conflicting laws ; and for other purposes. I have never acquired debt with the following/ Have never received a call or letter from agency @ this time they are presented violation of the bill passed and FDCPA OF 1973 XXXX XXXX-XXXX XXXX XXXX  {$2200.00} WAS BOUGHT TO MY ATTENTION AFTER RECEIVING A FREE CREDIT REPORT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid as agreed to whom debt belongs to purchase and reported on credit without my knowledge or consent reported to credit in error SECTION 1. 9 This Act shall be known and may be cited as the " Inform Consumers Act. '' Nothing about the reporting of these accounts are FAIR and ACCURATE! I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had my account closed by Chase Bank this past XXXX and have not received any information in the mail. I called XXXX in XXXX and learned that they they would send me a check for the remaining {$1000.00} or so in the account within two weeks. 

I did not receive the check in XXXX so I called again on the XXXX and customer service said it would take 90 days to verify my account. 

In XXXX I did not receive a check so I called on the XXXX and customer service said they would have to review my account indefinitely and could not give me an exact time to return my money. 

Since my account was closed, I can't get any emails about XXXX in my email, can't get any information about my money. If I don't call, I can't find out anything about my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Principles in Matter : Rushmore Loan Management Services XXXX XXXXXXXX XXXX # XXXX We've asked for validation of chain of assignments/title and have not received a proper response addressing the request. 

We have submitted a request for Accounting according to GAP or General Accounting Principles ( payables, receivables, balance sheet ) specific to the alleged debt in question prior to notice/recording of Trustee Sale and have not received a proper response. 

In a correspondence dated XX/XX/2022, Rushmore Loan Management states " Please note Rushmore services the account in accordance with the original loan documents and all applicable laws and statutes. '' We've submitted multiple written requests to view the " original loan documents '' and have received no reply. Please consider this another request to view the original loan documents. 

Question1 : In California, can a third party debt purchaser in its activity of " debt collection '' commence foreclosure? 

Question 2 : Did XXXX XXXX purchase this debt and if so, when? 

In a letter dated XX/XX/2022, received by your office and CEO XXXX XXXX, Rushmore agreed to the acceptance and transfer of title into an irrevocable private business trust of the which Rushmore has duties and obligations under the trust indenture to : 1. Merge the Title and 2. Set off the obligation They continually obscure the facts by calling it a revocable trust and not fulfilling their fiduciary duties. 

In communicating with Rushmore, all replies state that they are acting within applicable laws and regulations but fail to cite the specific law and/or regulation. We can not audit Rushmore 's compliance without this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: NC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This 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 2023-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I have closed on the property located in XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, as of the date submitting this complaint the account still shows open in my credit file. 
The mortgage has been paid off, and the property is no longer under my mane in the county where the property is located. 
Over 45 days later XX/XX/2023, I have emailed XXXX XXXX, XXXX from XXXX in order to update the account on my credit file, as of today date no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had an exercise bike listed on XXXX marketplace. A " buyer '' contacted me wishing to buy and asked if I accepted payments via Zelle. I texted back that I did not have an account but knew that my bank XXXX participated. The buyer said she really wanted the bike and would wait while I set up an account ( informed me it was reasonably quick ). I did so and gave her the particulars to forward the payment of {$250.00}. I received an email from " Zelle '' ( their logo and seemingly their script ) stating that I received {$250.00} but it will not be released immediately as I do not have a business account. I would have to have a transaction in excess of {$500.00} in order to qualify. I relayed this information to the buyer who was completely disappointed because her brother was ready to drive over to pick it up. She asked if she sent an additional {$300.00} in order to qualify, would I refund the {$300.00} immediately. I agreed, received another email acknowledging that and returned {$300.00} to her. Checking my bank balance I saw no activity. I was then notified ( again by Zelle logo email ) that " excess payments '' were accidentally sent and I was credited an additional {$1000.00}. The " buyer '' asked that I return the {$1000.00} as well. I now realized this to be a probable scam. I stated my suspicion to the buyer who proceeded to harass me when I stated I was going to XXXX and ask for assistance. I did so and XXXX told me I needed to wait until the funds sent ( {$300.00} ) were settled as withdrawn from my account. Seems strange that they have the account destination and could put it on hold but they insisted it go through before acting. I returned and filed a dispute when it cleared and in days received their answer that there is nothing they can do. In today 's XXXX XXXX XXXX there was an article specifically about Zelle and such scams ... with this script being highlighted as occurring often. In other words ... they know they have a problem and should have taken action when I described my situation if indeed it is that common.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-02-10
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: Information belongs to someone else

Complaint:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 at approximately XXXX XXXX  I purchased an XXXX XXXX flight on XXXX and paid with my Discover credit card. As part of the transaction, I purchased and was charged by XXXX {$130.00} for four ( 4 ) seat selections/upgrades. However, after the transaction went through and I received my flight confirmation emails, it became clear that the seat selections/upgrades had not actually been provided or reserved by XXXX. I confirmed with XXXX XXXX that there were no seat selections for my flight, so I contacted XXXX the same day as the purchase was made ( XX/XX/21 at approximately XXXX XXXX ). After some review and placing me on hold, XXXX 's customer service representative advised me that she had confirmed the seats had not been reserved so XXXX would be refunding me the {$130.00} and instructed that I would need to purchase my seat selections/upgrades directly from XXXX XXXX. Pursuant to XXXX 's instructions, I went ahead and purchased my seat selections/upgrades directly with XXXX XXXX on XX/XX/21 at XXXX XXXX. Specifically, I was able to purchase 3 out of the 4 seats I had originally tried to book with XXXX ( 1 of the seats was no longer available further evidencing that XXXX never booked the seats ). I waited a few weeks for the refund to hit my Discover account, but it never did. I attempted to contact XXXX again but apparently due to COVID they would not accept customer service calls unless you were within a week of your flight 's departure date (! ). Accordingly, I initiated a dispute of the {$130.00} charge with Discover. I provided Discover with copies of the emails I had received from XXXX, proof that I had purchased the same seats again directly through XXXX XXXX, as well as a detailed recitation of what had transpired. Despite the foregoing, on XX/XX/21 Discover advised that XXXX was asserting that the charge was correct and that Discover had also somehow determined that the charge/transaction was " valid ''. In other words, Discover - despite being in possession of evidence demonstrating that XXXX had charged me for goods/services that they never actually provided to me ( i.e. committed fraud ) - allowed the fraudulent charge to remain on my account. As a result, it became clear to me that Discover ( i ) was not looking out for my best interests, ( ii ) lacks integrity, and ( iii ) its dispute resolution procedures are entirely arbitrary and capricious - so I have since closed my Discover account ( I believe I was their customer for approximately 10 years ). Not much I can do against either party ( XXXX and Discover ) except submit the instant complaint and potentially file suit. I have had a few similar charge disputes with other credit card companies and NEVER had a issue like this before.

Company response to consumer: Closed with monetary relief