BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: MI
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent

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 2023-03-28
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: Information belongs to someone else

Complaint:
I contacted Experian by phone regarding the following collections accounts that don't belong to me : Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX They told me to file a police report, FTC identity theft report, Attach Driver license and to upload that information on their website. I followed their instructions as they told me and they concluded the investigation in less than 1 day on their favor. So my question is " Is Experian doing a proper investigation to determine and validate that those accounts don't belong to 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 2021-05-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On a XXXX of XXXX i made deposit from my XXXX XXXX personal checking account to my chase buisness checking account two checks one of them in the amount {$19000.00} another one in the amount of {$20000.00} one of them i did with mobile app and second one i had to do on atm becouse of a limit on mobile app deposit. 
While i was doing that i made a mistake i put the same check number on both checks " XXXX '' so becouse of that Chase Bank put hold on one of the fund till XX/XX/XXXX. 
And put restriction on my account. Then Chase Bank forwarded my Chase Buisness checking account to fraud department and at the end they end up closing my account. 
They never informed me about whats going on and that it was the fraud department dealing with it. 
I called them to find out whats going on around XXXX of XXXX and they told me becouse of same check number they have to hold it and asked me to go back to XXXX XXXX bank where the money came from to put a claim to return the money back to XXXX XXXX bank they said thats the only way to get back my money. 
I did that and put the claim time passed by XXXX XXXX did try to get the money but Chase Bank never responded for their claim. And then i contacted the Chase bank fraud department again around XX/XX/XXXX or so on the phone they said i have to go to branch and show statement or on my XXXX XXXX  bank app that money was taken out from my wells fargo account so to prove that money got out of wells fargo bank. 
And on a XX/XX/XXXX i went to Chase Bank branch and talked to member of the bank and explained what is going on and when he checked my account it was closed and there was a note to call that department. and he called them and at that moment that department told him to put some adjustment to find the where the money is so they kinda messing with me all the time when i call them every time they come up with some kinda new excuse about my money. All the time when i talked to the they never provided me any case number or refrence number for my phone calls i asked the but they said they can not provide anything in writing or any kinda case number about calls i made i asked them send me letter about what is going on and why my money is in hold they said letter was sent on around XX/XX/XXXX or so but i never get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CHECK INTO CASH INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was alerted through email that I was approved for a {$700.00} payday loan that I had not applied for. I had applied for a loan several months ago, but not yesterday XX/XX/2021. I also received a hard inquiry for this application. I immediately called the next morning when they were open and they were able to void the loan, and told me to proceed with filing complaints. I do have a fraud case open with them as XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
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 2021-05-17
Company: M&T BANK CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I reserved a hotel stay at the XXXX XXXX located at XXXX XXXX XXXX, XXXX MD XXXX for 30 nights from XX/XX/2021 to XX/XX/2021 totaling {$2000.00} ; The reservation was made through my membership account on the XXXX XXXX app. It stated that a credit card was required for the reservation in which I provided my M & T debit-credit card ending in XXXX, and the reservation was processed with a reservation # XXXX, and with check-in starting at XXXXXXXX XXXX 

However when I attempted to check-in on XX/XX/2021, the front desk at the XXXX hotel informed me that my debit-credit card was declining the {$600.00} charge-hold that they were attempting to process. I attempted to call M & T bank customer service over the phone however I kept getting a prompt system stating that they were experiencing high call volume therefore would not be able to connect me so I would have to call back another time. 

I attempted to call M & T bank customer service the next day XX/XX/2021 and was finally able to speak with an M & T bank representative who informed after looking into the issue and confirming that my card had rejected my hotel reservation, informed that because the account was recently opened, there might have been a limit put on my debit-credit card. XXXX hotel attempted to process a {$600.00} hold ; additionally, I attempted to process a payment of {$5700.00} to XXXX XXXX on XX/XX/2021 and such was also declined. 

M & T Bank is engaging in illegal acts and subjecting me to unregulated practices and procedures.

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 2023-09-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX + American Express. 

Please see attached. 

I am being removed as an authorized user, as well as it being removed from my credit report, for the American Express credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
PNC opened an account on my name which was Fraud. I called to report and two months later I am still receiving statements. Called again and I have to file another fraud case and no status of the previous case. I now have a XXXX dollars balance. I have set an alert with the credit agencies, however I need for PNC to strengthen their controls to verify identity, Close these accounts and get this to a XXXX dollar. 

Account : XXXX, XXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
Business : TD Bank Law Violations : 1. FBRA violation, TD Bank reported a debt from XXXX XXXX  to the major credit bureaus for a product that was never shipped, and never received by the customer. 
2. Billing customer for the order, and Unwilling to file a claim for the client to remove the charge when requested ovdr the phone. 
3. Use of dismisive language, unwillingness to help client even after client offered XXXX  solutions XXXX as picking up the item from a retailer. 
4. Use of dismisive belitteling language with the customer.Unwillingness to correct the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
on XX/XX/XXXXI placed a fraud alert on my credit report. On XXXX   it shows my statement as a fraud alert. On Equifax it shows my statement as ... if not verified then I demand it be deleted. I filed a dispute with Equifax on XX/XX/18 saying please remove any statements on my report because I no longer need it. The only statement I want on my report is the fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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 am XXXX XXXX submitting this complaint against Transunion, LLC and their is no third party involved. 





As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX and XXXX XXXX XXXX - no acct # listed XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX Delete all hard inquires & late payments as well.

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 2020-04-04
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: Information belongs to someone else

Complaint:
This is not my account nor did I authorize these credit inquiries.

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 2021-06-02
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS denoted ( on XX/XX/XXXX, attached ) XXXX XXXX ( acting unnamed and unidentified ) took adverse action ( on XX/XX/XXXX ) against me " at the consumer 's request '' ( attached - SLS_XXXX  ). I had never made this request. HOWEVER, XXXX XXXX, ( one week earlier - XX/XX/XXXX ) knew Mr. XXXX ( anonymously ) would be acting upon this impersonated request ( attached - XXXX ). AND SO, I asked for the information so we can identify who impersonated me and made this request that Mr. XXXX acted upon.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 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 2023-01-31
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called XXXX which I had used many times previously. 
XXXX will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
XXXX has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how XXXX and XXXX handle this type of issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
there is no payment reminder mail email or text for my loan account at alley financial where my 7 years loan for lhe past 3 years has been a nightmare to pay when they do offer payment forgiveness for my 2013 XXXX XXXX  by the way thats the thing that i get in mail they call there forgiveness payment a extend en promise to pay the regular amount of car payment of XXXX after paying to purchase the agree of XXXX you have options to either pay after 2 or 3 mouth terms here where i run into problems with alley financial where im forced to either at end the end with no reminder before the end payment extenden due date but i'm greeted with numerous calls from there collects department calling amounts {$800.00} to {$1200.00} and some time pined charge while being on that extenden and various charge there after of XXXX after those first amounts are con fingered after speaking and getting continuous XXXX by there XXXX customer service hotline and there the nitemare begins with no reminders forced to instead of paying the {$330.00} payment that originally signed up for this particle car loan i'm force to pay {$800.00} to {$1200.00} because when i call in to make a payment the kicker is to name all thing i'm paying to my XXXX  the extend en agreements plus car payments missed plus there's been times where there been computer down on there end leaving with schemes blow by from customer stateing they didn't receive payment on or the payment didn't reach the system as far as on our end as well as XXXX and internet would be down for weeks at a time on there end may i add consumer credit keeps getting reported as such negative and 60 days 90day last due

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 2023-10-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase has promotional offers for money or points back on their website. On XX/XX/XXXX I noticed, and added, a Chase promotion for up to XXXX {$50.00} in statement credits for paying my XXXX XXXX XXXX  bill via my Chase account. After adding the promotion on XX/XX/XXXX I made a payment for {$50.00} ( the minimum for the promotional credit ) and Chase automatically applied the {$50.00} credit on XX/XX/XXXX. I then went onto make a second payment for {$50.00} on XX/XX/XXXX and they have failed to apply the advertised promotional credit over 2 months later. 

I have followed-up over XXXX times with Chase via their secure website messaging application and over XXXX separate XXXX hour phone calls where they refuse to do anything except send a message to their marketing department to apply the credit. They have told me it would take XXXX weeks and now XXXX weeks later the problem remains unresolved. 

The promotion was clearly added to the account and active given the automatic credit provided on XX/XX/XXXX and yet they fail to have any follow-up and or resolution despite

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Been keeping track of my credit to apply for home loan but lenders can't get a report or credit score from EXPERIAN.

I've contacted Experian several times, Experian Dispute department was able to send me my report but I need a membership to get my score.

I tried to get a membership but every time I try to get one on line it gives me a message ( we were unable to find your report with the information provided ) I called Experian to get help getting a membership but every time I've call the rep tells me that my report is locked due to too many time tried to pull it up.

I've been asked to wait 72 hours and when I call back is the same results, my report is locked. 
I haven't been able to have this resolved for about a year and the last couple of months it's been very frustrating because none of the Experian reps can help me. 
Experian dispute rep tells me they can't see anything wrong, the membership rep tells me they can't access my repor and the lenders can't pull my report or my score. 
Experian is the only credit agency that I have problems with, XXXX  and XXXX  are very helpful.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX and Experian are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX  Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.

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 2021-05-16
Company: Orions Management Group, LLC
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 have received a copy of my credit report and it shows company ORIONSMANA account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation