BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX {$570.00}, 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 explanation
Consumer complaint received 2017-05-02
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have emailing the bank and filed a complaint with the cfpb before. Everyone assured me the sale date was post poned and today we are showing it went foreclosure in court! If this is the case we need it reverse. I was assured multiple times that she no longer had a sale date.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$6700.00} ; ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} ; 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 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 2023-01-10
Company: TD BANK US HOLDING COMPANY
State: AR
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: Card was charged for something you did not purchase with the card

Complaint:
On/ about XX/XX/20XXXX  Target charged my credit card {$14000.00} over the {$7000.00} limit. I rented a vehicle with XXXX XXXX XXXX  XXXX XXXX about XX/XX/2022, and returned the vehicle intact, undamaged on/ about XX/XX/2022. Target charged the credit card for the sales of this vehicle. I have asked both XXXX XXXX a XXXX and Target for an itemized detail of the charges and both have failed to provide anything. Target has advised they went by word of mouth. Again, the credit limit is {XXXX XXXXXXXX on this credit card. I would like this rectified. I am an authorized user of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX I need your assistance I attempted to withdraw {$500.00} from the ATM at XXXX XXXX in XXXX in XXXX the ATM went thru with the function however No money was dispense..I had the 2 Managers in charge of the ATM run the Surveillance Cameras and they confirmed No money was dispense to me so for peace of mind they had the Technician open the ATM and showed when the Transaction was declined. I checked my account online and my money was taken out. The next day I went to a Citizen 's Bank spoke to the banker who requested my money return I got it on my account within a few days. In XXXX I received a letter from Citizens Bank that they taking back the money and they took the money back I went to Citizens Bank where another Banker name XXXX called the investigator advised her he saw the proof that I didn't get the money from the ATM she said she would send a link so I could forward her the proof. She never sent the linked but instead denied the case or claim..I need my money I am stressed out I have had 2 deaths to deal with in my family within the last 3 months I have to pay bills because of this .I need my money please help me I am sending my proof if you should need anything more please contact me by email .... XXXX XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit reports, I saw some inquiries that I'm not familiar with. I don't ever recall authorizing any of these inquiries to pull up my report. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: AES/PHEAA
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: Account information incorrect

Complaint:
FedLoan reported 16 student loans to the credit bureaus as each having late payments from XXXX - XXXX of XXXX. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. FedLoan is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, Equifax, and XXXX have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with Equifax are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 
Any and all consent to XXXX, Equifax, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. 
Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' XXXX, Equifax, and XXXX are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Avant Holding Company, Inc.
State: NC
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:
I noticed fraudulent charges from a VPN service that had been cancelled. I filed a dispute in XXXX or early XXXX and nothing has been done. I called them today to see what's going on with it and the customer service rep said she had to transfer me to another department because the card is late. I told her the card is late because they never addressed the fraudulent charges that I am not paying for and I only wanted her to transfer me to someone that I could discuss the fraudulent charges with. She advised me that this is the department that could help with this. I get on the line with the next guy and explain the situation and he tells me that he is attempting to collect a debt. So I cut him off and tell him that he attempted nothing. That I called him to discuss fraudulent charges. He tells me if I continue to use " profanity '' that he will have to hang up. I think I told him that treating me like a low life that doesn't pay his bills when I'm the one that called in to try to resolve this is XXXX and so to just knock it off and let 's figure out the fraudulent charge issue. I didn't curse him out. I didn't call him names. We're all adults here and we all know what XXXX is. He continued to try with his attempt to collect a debt XXXX and once again I pushed back, without " profanity, '' and I was then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX has been a customer of Chase Paymentech since XX/XX/XXXX. We are a small restaurant that typically processes about $ XXXX a month in credit cards. Up until XX/XX/XXXX everything was fine. Credit Card payments were coming through on a timely basis. On XX/XX/XXXX I stopped receiving my batches. I called and was told that Chase had made a mistake and my account was on hold for seven business days until they could fix the problem. Seven days later, no deposits were coming through. I called again and they said they didnt know what the problem was but that it was on their end and it would take another seven days for the account to be reactivated. At that time {$32000.00} in deposits was missing from my account. Below are the amounts. 

XX/XX/XXXX {$1700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$6700.00} XX/XX/XXXX {$2100.00} XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$3600.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} Finally, on XX/XX/XXXX I received a {$12000.00} deposit. {$19000.00} was missing. When I called again I was told that they Chase had not taken out their fee from three months previous. To this date Chase refuses to XXXX admit wrong doing. XXXX. Give evidence that I actually owe that amount. XXXX. Refuses to workout an amicable solution. 

During this time I suffered financially. This is a small mom & pop restaurant that only keeps $ XXXX of operation capital on hand. {$32.00} XXXX dollars being withheld for Chase 's mistake caused me to get behind on rent, XXXX XXXX XXXX bills, food purveyors etc. This was unprofessional and unacceptable business practice on Chase 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Was called by I thought was my bank on someone trying to make a transfer from my account ended up being a scam lost XXXX dollars bank wow not reverse money because it was XXXX the scammer called my wife originally cause we have business account and my personal they took XXXX from business the bank reimburse my business account but not my personal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BSI, you are now in violation of my consumer rights, BSI has failed to update my mortgage payment in a prompt manner. You are in direct violation of the Consumer Financial Protection Bureau. BSI continues to call me and harass me about a late payment for XXXX when in fact BSI has taken my payment in the amount of {$6200.00} on XX/XX/2022. BSI has received paperwork and proof of payment via e-mail and phone on On Wednesday, XX/XX/2022 at XXXXXXXX XXXX  EST and error is still has not been corrected. Today I have received notice of a late payment charge for XXXX payment which is not correct. I demand that you correct my account immediately. A full complaint has been made to the Consumer Financial Protection Bureau explaining these facts and your companys failure to follow federal guidelines. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX Please make sure I am going to stop receiving calls for payments already collected. 
Please appropriate the funds to my Account Number : XXXX immediately and immediately update your website and records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt in the amount of {$2900.00} from an apartment that my now ex-husband and I lived in. I paid that debt that was on my credit report in XX/XX/XXXX and that debt amount came off my report because it was paid in full. well in XX/XX/XXXX this debt collector came back up on my report for the same amount. I did not know it was in there until XX/XX/XXXX, and by that time my credit score had dropped. I have called them and emailed them my paid-in-full letter and they keep saying they have not gotten it. or they will say that it is under a different account number for the same amount and the same apartments. I don't think I should have to pay again for something that I have already paid off can you please 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 2023-03-09
Company: Experian Information Solutions Inc.
State: NY
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. 

Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXXXXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number 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 an 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 explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my car loan shows late never late experian refused too help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-02
Company: EQUIFAX, INC.
State: IL
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 have violated my federally protected consumer rights. 

- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

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

- 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 of any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

- 15 U.S.C 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX : XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Experian Information Solutions 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:
These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity XXXX case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XX/XX/XXXX car. Pardon my XXXX. But these Inquiries are hurting me when I try to get funding. 

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 2023-10-19
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance to with the Fair Credit Reporting act XXXX account name XXXX XXXX, account number 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 an 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