BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: CT
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 accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXXXXXX XXXX {$910.00} XXXX XXXX XXXX {$240.00} These accounts are being reported inaccurately and have violated my rights according to the laws listed below. 
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. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I've been fighting XXXX XXXX XXXX XXXX that I didn't open that continues to report on my credit report. It's reporting on my record as charged off of sold to another company after our being already removed only to be replaced after a year! I put in the last request for is to be validated on the XXXX of XXXX for them to tell me that XXXX told them the information was correct. I contacted XXXX and they told me that the credit card company told them the information was correct.

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 2019-01-09
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
After submitting proof to XXXX  and Experian they both continue to report a public record that has been suppressed by their public records vendor ....

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2018-10-08
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, acct. no.XXXX  is wrongfully appearing on my EXPERIAN XXXX  AND XXXX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX  has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX., acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.

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 2023-12-10
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Identity theft, someone got an American Express card. A lawyer from XXXX named XXXX XXXX. This lawyer has been sending threatening emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CREDIT AND REOPEN the account ending in XXXX every billing cycle. XXXX XXXX XXXX XXXX XXXX XXXX is listed as the trustee according to Prospectus Form 424B2 in American Express SEC filings. According to the 10Q form for Q3 page 58 listed in the SEC in filing for American Express states We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account Master Trust ( the Lending Trust ) and American Express Issuance Trust II ( the Charge Trust and together with the Lending Trust, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. The monthly payment coupon received every month by XXXX XXXX is a receivable for American Express that has been credited due to the securitization of the asset. I rescind/revoke any security interest American Express has in the account ending in XXXX and XXXX, Brandon/agent assume all right XXXX titles, and interest for the XXXX XXXX for the account ending XXXX XXXX. Please respond within XXXX business days confirming fiduciary duties have been completed or reason for nonperformance of fiduciary duties if not completed. Failure to credit and reopen the PREPAID account ending in XXXX will result in an escalation to the SEC for securities fraud and a federal lawsuit for securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XX/XX/2021 XXXX XXXX  PST i would also like the removal of loan depot employee XXXX XXXX NMLS # XXXX and license revoked immediately he has treated me unfair, has provided misleading information, false information and has breach the contract i made with loan depot XXXX XXXX XX/XX/2021 XXXX XXXX  PST I XXXX XXXX, have started a lawsuit against loan depot in small claims ct and will be suing loan depot for pain and suffering, false information, racial profiling, breach of contract and hrs of painstaking work to try to get loan depot to no escrow the account and respond. 
I will be suing for XXXX XXXX dollars plus damages plus lawyer fees. 

XXXX XXXX XX/XX/2021 XXXX XXXX  PST it has been more than 48 hrs and still no response i demand a response to the request or there will be legal involvement XXXX XXXX XX/XX/2021 XXXX XXXX  PST pls update me on the status of the signed written request for the non escrow of the account. that i have faxed over to loan depot. to the fax provided XXXX XXXX XX/XX/2021 XXXX XXXX  PST i have faxed over the signed written request. 
XXXX update me on the status XXXX XXXX XX/XX/2021 XXXX XXXX  PST Re : Loan number XXXX Dear XXXX XXXX XXXX XXXX, Thank you for your recent inquiry regarding your loan. 
In order to have your loan reviewed for an escrow waiver, please send a signed, written request to : Attn : Research Department XXXX XXXX XXXX XXXX, NJ XXXX Fax : XXXX If you have a question and would like to speak with a representative, you can initiate a Chat session by? Live Chat? or send a secure message by selecting? Ask a Question?. 

Thank you for giving us an opportunity to be of service to you. 

Sincerely, XXXX XXXX E-mail Support Representative XXXX XXXX XX/XX/2021 XXXX XXXX  PST i want to non escrow account and would like to keep same insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: AL
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 sent letters on two different ocassions and the first time the bureau stated they did not receive it so I sent another copy on XX/XX/21. I sent letters to each bureau about unauthorized items that appeared on my credit report, I contacted the federal trade commission to file the identity report and mailed a copy of my police report in to them and I have not received a response yet. I feel like I'm being victimized all over again because the bureaus are not trying to help seems like they just want to continue to make money off the negative information. I feel like they dont care if its right or wrong Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX and Equifax data breach and seems to have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, 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 non-monetary relief
Consumer complaint received 2023-02-28
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:
N accordance with the Fair Credit Reporting Act the following accounts has violated my rights XXXX 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. 

Creditor : XXXX XXXXy Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor XXXX XXXX XXXX XXXX  Original Creditor : THE XXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with JP Morgan Chase Bank that has been closed by the bank. On XX/XX/19 they credited a wire transfer to my account. There was an error with the payee and the bank wanted to further verify. They placed a hold on two deposits represented by a paycheck for {$720.00} credited on XX/XX/19 and my Social Security benefit for {$1400.00} credited on XX/XX/19. THEY HAVE HELD THE FUNDS FOR THREE YEARS. They require that I contact the originator of the wire to confirm that it posted to the correct account. The company that wired the funds has not responded to my request and phone number is now no longer valid. Chase Bank credited the funds to my account ; the bank did not return the funds ; the wire was not recalled by the originator. I am requesting that Chase Bank remit the {$2300.00} balance of the account to me. As I stated it has been 3 years. Thank you so much for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: ARVEST BANK GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made an extra payment ( $ XXXX ) to my mortgage XX/XX/2023. On XX/XX/XXXX I notified ( via online from their website/email ) ARVEST Bank that the {$10000.00} was to be applied to principle. One week passed and a checked my account online and found that ARVEST Bank incorrectly applied the payment as {$1200.00} for future payment and {$8700.00} principle payment. 
I called ARVEST Bank and asked them to correct the error. They assured me they would make the change. Another week passed and no change. I made another call to ARVEST Bant and they assured me again that they would make the change. Today XX/XX/XXXX, I checked my account online and found that they reversed both {$1200.00} and {$8700.00} payments as if no payment was made. My principle balance increased by {$10000.00}. 
I called ARVET Bank once again and asked where is the money. The response I received was that the funds are in a suspense account. I got another assurance that the funds would be applied correctly. I am not convinced that ARVEST Bank is doing their job correctly. 
I have had this mortgage for more that fifteen years. I never once made a late payment. Please investigate the actions of this company to ensure they are not mismanaging customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX, Equifax XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the beginning of XXXX between XXXX and XXXX, I sent payment to my Walmart Mastercard using XXXX bill pay. Then when I received a notification that my payment was late I checked my account and noticed my payment went into an old store credit card for Walmart Stores use only. I did not owe anything on that the Walmart store card. I called the credit card services to fix the payment and asked why it was processed that way, and they let me know it was a glitch and they would adjust it. I received a statement from them with the comments that it was adjusted, however, they still charged me a XXXX dollar late fee. Again, the following months when I would pay my Walmart mastercard, the payment would keep going to the old Walmart credit card. The representatives said they would said a letter to the credit bureau and let them know that it was an error and it would not affect my credit. Months later it continued to happen and I started getting collection calls in XXXX. I asked the company for the statements that would proved to me that I swiped a Walmart store card and the date I " spent '' the {$200.00} dollars they claim I owed them and I would pay it with no hesitation. What I got from the company was that the they could not get me the statements. When I tried to log into my account to retrieve them, the statements had to be requested via email so they were no longer available online. I kept explaining to them that this is fraud and that I do not have a Walmart store card, that I only have a Walmart mastercard which I always pay on time. They told me they would look into it, but i kept getting different collectors calling me about paying this amount. This is fraud and I would like for it to be investigated. I do not owe XXXX/WALMART any amount of money. My account is with Walmart Mastercard. No where on the statements I was able to locate did it show that I used the card for a purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For many years I have used American Express Gift Cards for online shopping. Recently these cards have been declined by multiple merchants ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). Over the past two days I tried to purchase XXXXXXXX XXXX XXXX XXXXXXXX from multiple merchants and a card with a {$350.00} balance, and another card with a {$2000.00} balance were both declined. I call Amex Customer Support and was told that the cards were declined for " security reasons '' and I should try another merchant. These cards are basically worthless. The Amex web site states " They can be used virtually anywhere American Express is accepted. This is false advertising, possibly consumer fraud

Company response to consumer: Closed with explanation