BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7800.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent multiple notices to Transunion in regards to unauthorize inquires listed on my credit report. Ive already contacted the companies and they have no record of this information being reported. I need for Transunion to investigate and provide proof of signature for these erroneous inquiries listed on my credit report. This has caused so much XXXX  during these hard times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America was fined {$250.00} XXXX by CFPB for botching the disbursement of state unemployment benefits at the height of the pandemic. Bank of America automatically and unlawfully froze peoples accounts with a faulty fraud detection program, and then gave them little recourse when there was, in fact, no fraud. I was sent a form stating if I received financial harm between XXXX XXXX thur XX/XX/XXXX from these action please submit documents. I sent BofA receipts from hotels, storage units, Ive sent them documents were I didnt full fill my payments on rent and was ask to leave. Ive sent supporting documents from the credit union regarding my vehicles being charged off on my credit for non payments. Ive sent them supporting documents showing them my credit card was charged off due to non payment. This have cause me and my family a great deal of PAIN. My credit went from XXXX to the low XXXX. All because on XXXX XXXX, XXXX I walk into BofA and made a complaint and on XXXX my complaint was denied without any due process from them using a faulty fraud detection program. On XXXX I submitted my documents to be compassionated for my financial harm. On XXXX I had to submit more documents. I did that 58 days ago. Since then Ive been getting stone wall for my compensation. Its been 75 days since my initial claim. Ive called and tried working with BofA on the matter and I am not getting no luck in the response.

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 monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
This account was paid off/settled in XXXX of XXXX They are incorrectly reporting it as a charged off account purchased by another lender Account name XXXXXXXX XXXX  Account number XXXX XXXX. 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$440.00} written off. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Sold to XXXX XXXX XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Purchased by another lender. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Account history XXXX *THIS WAS NOT PURCHASED BY ANOTHER LENDER AND THIS WAS NOT WRITTEN OFF. THIS DEBT IS PAID/SETTLED!

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 2023-03-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I attempted to set up a savings account with Ally Bank. I was trying to fund a savings account with the amount of {$150000.00}. but due to some glitches and/or bad advice from Ally support team, this turned into a {$300000.00} funding. The second {$150000.00} over drew my external bank so it bounced back to the external bank right away but unfortunately the initial {$150000.00} which is my money even though i have been requested it be returned for a month has not been returned to my external bank. I have spent countless hours talking and chatting to Ally support team to get my funds returned to no avail. This is money I need for my life living so I am naturally very worried that Ally will not return to the money to my external bank. As its stands now Ally not only will not return my money but my money is in their bank but not referenced to me in an account leaving me no access to my own money.

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 2023-06-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My NAME is XXXX XXXX XXXX. Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX XXXX, XXXX XXXX Transunion ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-07-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business banking account with Chase online. I gave Chase bank all of the information requested online and Chase opened the account. Weeks later, after I received the debit card for the business checking account Chase restricted the account. As of today Chase is claiming to close the account because of an error on their end. I gave all information requested, spoke to plenty of representatives trying to resolve the issue and Chase is still being difficult and I am confused as to why. The company also has funds going into the business checking account which is another issue. If the account is going to be closed how will I obtain the funds going into the account? This has been extremely difficult and time consuming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: MI
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 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 ( IMPACT RECEIVABLES ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-03-07
Company: AMERICAN EXPRESS COMPANY
State: HI
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:
Upon further review, and with a history of Over 20 years this is a repeat problem with them. 
Both accounts had cards replaced ( classic and pay over time ) they insisted on changing classic card ( account ending in XXXX ) because of data breaches on their side. On or about the end of XXXX XXXX XXXXXXXX XXXX in XXXX someone stole my card if their counter. I immediately called them. They replaced the card and switched its terms. Additionally I have made multiple monthly payments and first received threats of cancellation, and credit reporting, then they sent new cards, then more threats, then closed the accounts all because American Express replaced my stolen card with a new on on different terms as in pay every cycle. 

My bank actually found this out by the times and amounts the company was withdrawing from my checking account. 
I stopped them from abusing the XXXX in XXXX. There is paperwork meaning statements and multiple checks additionally paid to them even though the account balance in question is a pay over time account. 
Had American Express just looked at both accounts activity they would see this. 
I tried twice calling and asking for return calls and heard nothing I have times dates and names of people I spoke with there. 

However I am considering legal action against them for improper withdrawals and change of term. 

Ive been advised to attempt clarity though you, reserve all my rights and hold American Express liable and accountable. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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 have been a victim of identity theft because my information was released to the public in various data breaches. Someone opened up accounts in my name without my consent. I need these unauthorized accounts removed immediately because I'm looking to get a mortgage and this is hurting my reputation with the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person by the name of XXXX XXXX on XXXX created a post collecting fees for softball league and registration. Collected an amount of {$210.00} from me also gave me all the info correctly telling me the park the games were going to be at, how many games, how the uniforms looked like, etc. as soon as I sent the money I thought everything was okay because he responded back to me with no issues but upon seeing a post that I was not the only one his account was deleted and I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Pinnacle Credit Services, LLC
State: GA
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:
I have been disputing for a while with the credit bureaus and Pinnacle Credit Services and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my XXXX credit files are still showing this account despite the multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: OH
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:
ACCOUNTS CHARGED WITHOUT MY PERMISSION.

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 2023-04-07
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Sequoia Financial Services
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was involved in minor accident last year in XXXX my insurance company denied my insurance so the other deiver 's insurance company given that right to debt collecting agency to collect the damage of that vehicle of their client so I asked them for estimate of damage they send me the esitame and that was almost {$1800.00} I doubted that because that damage was very little few scratches so i reported that incident to state insurance commission they send me the file of whole claim and what I noticed that the pictures of car they used to make estimate was totally different an accident I was involved that car was XXXX XXXX and they used the car XXXX XXXX to made wrong estimate in between all those time they kept call me pay us withing this time limit otherwise we will report you to secretary of state and get your license suspended.so I called the insurance company they were representing that you provided the wrong facts and I told them I am not gon na pay the amount you are showing in the estimate because you provide the wrong facts so they start making settlement that ok pay {$500.00} to the debt collecting agnegy that representing us I was so overwhelmed because they keep threatening me to get my driving license suspended and I was tired of all those phone calls and Mails.so I paid them {$500.00} online through credit card they told me we will mail you payment receipt in a week its been 2 month I have not received my payment receipt I called them last week they denied to give me my payment receipt in the meantime once I paid them after a week I received a letter from the insurance company that represented by this debt collecting agency that we are sorry that debt collecting agency sent a wrong images and they use wrong vehicle for making estimate and when I debt collecting agency about my receipt last week and they didn't have any record of the car that was involved In accident still they were asking me that you were involved in accident with XXXX XXXX and that's not true.so in this case what I feel that they misrepresented the information yo collect wrong amount from me because my insurance company already denied claim so they knew that we are collecting damages from an individual so how that individual is gon na investigate all those stuff but the luckily I reported that to state insurance commission and I caught them misrepresenting the information. Please help me to take an appropriate action against them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
I sent my letter off on XX/XX/2022 I told the credit bureaus to Investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX ( Equifax ) Tracking # XXXX ( XXXX ) Tracking # XXXX ( XXXX ) According to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I would like to know who did they talk to and how did they complete this investigation? Also, every piece of information on these accounts are still NOT reporting 100 % ACCURATE. And according to the FRCA 15 USC 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX XXXX  Account # XXXXXXXX XXXX  XXXX bankruptcy XXXX Reference number # XXXX US DEPT. OF EDUCATIONXXXX Account # XXXX

Company response to consumer: Closed with explanation