BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: GOLDMAN SACHS BANK USA
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened a GreenSky Financial account on XX/XX/XXXX which was activated on XX/XX/XXXX. The account was given a {$19000.00} line of credit to pay for a home repair. 

The vendor XXXX XXXX, XXXX submitted a fraudulent charge of {$6500.00} on XX/XX/XXXX which I initially declined approval for. I then spoke to the XXXX  who said they accidentally made an internal billing mistake and credited {$6500.00} and they were just re-charging it but that my balance would NOT increase by {$6500.00} as this was NOT an additional charge it was correcting a deduction on their side of the GreenSky system. XXXX  lied and deceived me into approving this request for payment which increased my balance. I do not owe this amount and assert it is a fraudulent charge. However, GreenSky has failed to take any action whatsoever to adjust this amount off of my balance. They have also denied me the right to remedy my claim with mediation and/or arbitration pursuant to their Bill of Rights. 

I respectfully request assistance with resolving the fraud to my account and having GreenSky correct the actual amount owed to my account. I filed my initial complaint with GreenSky back on XX/XX/XXXX and they have had sufficient time to resolve this matter and have failed to do so. I have already filed complaints with the XXXX, FTC and DOJ for Consumer Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Sir or Madam, Back in XX/XX/XXXX, I've received an offer from HSBC for {$750.00} bonus when a checking and savings account will be opened and some requirements will be met : https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # premier-checking-details On XX/XX/XXXX, I opened both checking and savings accounts, funded the savings account with {$100000.00} ( the required combined balance between the 2 accounts had to be at least {$100000.00}, as required by one of the conditions ). 
Another requirement was to maintain a balance of at least {$10000.00} for 90 days and then, approx. 8 weeks after the initial 90 days, {$750.00} will be deposited into the checking account. 
On XX/XX/XXXX, HSBC took the initiative of closing my checking account and forfeiting the {$750.00} bonus, although they still have my {$100000.00} in the savings account. 
All my attempts to resolve this issue with HSBC were unsuccessful. Therefore, I'm kindly asking for your assistance. Should additional information be needed, please let me know and I'll gladly provided. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: ALLY FINANCIAL INC.
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:
In XXXX of this year, a XXXX  XXXX car that my daughter and I financed where I was the co signer through Ally financial. 
Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. Ally financial then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. 
Ally financial called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my credit reports.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: MS
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 Open 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident verify XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, has violated my rights XXXX 

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 I, XXXX XXXX XXXX DID NOT GIVE XXXX, EXPERIAN, XXXX ANY WRITTEN INSTRUCTION.

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 2018-04-23
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had 3 private student loans with American Education Services. I recently paid one off and refinanced the other two. The loans are known to AES from their disbursement date : XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the XX/XX/XXXX loan. On XX/XX/XXXX, I received a letter confirming the payoff of the XX/XX/XXXX loan. 

On XX/XX/XXXX, the balance of all of my AES private loans was approximately : XX/XX/XXXX :  {$0.00} ( paid in full ) XX/XX/XXXX : {$9300.00} XX/XX/XXXX : {$8600.00} On XX/XX/XXXX, I refinanced the XX/XX/XXXX and XX/XX/XXXX loans. The total payoff was approximately {$18000.00}. The new bank forwarded to AES a payoff amount of {$18000.00} delivered to AES on XX/XX/XXXX. 

AES misapplied all of my money. I very clearly took the steps necessary to fully pay off the XX/XX/XXXX loan through the AES website. I had the new bank follow the payoff instructions on the AES website to refinance the other two. As of the date of this complaint, AES did not fully close my XX/XX/XXXX loan and charged me {$56.00} in interest since the XX/XX/XXXX payoff date and my most recent inquiry about the loan on XX/XX/XXXX.

AES also misapplied the {$18000.00} intended to close out the remaining two loans by applying approximately {$13000.00} to the XX/XX/XXXX loan that only had a balance of {$9300.00}. The XX/XX/XXXX loan now shows AES owes me a credit of {$4200.00}. 

Additionally, AES misapplied the remaining amount from the {$18000.00} to the XX/XX/XXXX loan, causing the balance of the XX/XX/XXXX loan to show I owe AES {$4000.00}. 

I called AES multiple times to inquire how I could owe {$4000.00} on the XX/XX/XXXX loan while being owed a credit of {$4200.00} on the XX/XX/XXXX loan. AES is unresponsive, claiming I need to wait a few days for their " system '' to be updated. No such update has occurred. 

I also am unsure how I owe interest on a loan that was paid off two months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
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:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

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 2022-04-05
Company: EQUIFAX, INC.
State: MS
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 Open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I, XXXX XXXX XXXX DID NOT GIVE XXXX, XXXX, EQUIFAX ANY WRITTEN INSTRUCTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 did not pay my student loans due to the student loan payment Freeze. XXXX explained my particular federal student loan did not qualify for the payment freeze. They reported me to the credit bureaus. My Credit score went from a XXXX to a XXXX. This type of decrease is unusual for one late payment. I have one other late payment which was 4 years ago. It has been three months of on time payments and the two credit bureaus have reported my credit score at XXXX. Transunion reports my credit score at XXXX. this is a XXXX difference. I wrote the XXXX XXXX XXXX asking transunion for an explanation of the drastic difference. Transunion explained they use different algorithms and I should pay for a copy of my reports to compare. I explained to transunion, I already compared all three credit reports from each bureau and they are all the same. Transunion then said I had high credit card utilization. This is also untrue. All three bureaus show that I use 3 % of my available credit. I currently hold {$85000.00} in available credit and use about $ XXXX {$4000.00} each month.

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 2020-09-29
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Right at the start of the new year I logged into my online account on for XXXX XXXX at XXXX ; I wanted to setup an automatic payments ; the website said I already had automatic payments scheduled to take place XX/XX/XXXX. I had also setup contact information for my email and my phone numbers so that when the payment when through or one was due it would text and email me. Come XX/XX/XXXX the payment did not go through. I did not notice until XXXX that I did not pay my bill. The servicer did send me a letter in the mail after the 2nd missed payment but by then it was too late the damage was done to my credit. And the company wanted me to pay late fees. They never notified me via email or text like I had setup. 

Basically their automated system/online system was malfunctioning and still has been. 

In XXXX I contacted them to waive the late fees due to these issues and they waived one late fee and did not waive the other. They told me I had to go on the website and submit a request. I did that and sometime in XXXX they shut my auto payment off again without notifying me. Which caused another late fee and a mark on my credit again. 

Before this time I had never missed any payments and always paid on time. 
I have asked them to provide a letter so I can provide it to the credit bureaus and get my credit back on track.

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 2020-08-26
Company: JPMORGAN CHASE & CO.
State: VA
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:
The account with JP Morgan Chase was paid via short sale in XXXX of XXXX. There is no balance and each month the account reports as delinquent. This is reporting via XXXX  and XXXX and hurting my credit score because the delinquent status is not aging. I have filed several disputes and contacted Chase directly with only one real response on XX/XX/XXXX and every other response after that generic. Please let me know if you can assist with having this account report correctly as a non delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Receivables Performance Management, LLC
State: OH
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:
RPM account has violated my right under FCRA. This account is now in civil litigation to violation of my rights by FCRA. Right violated includes, but not limited to, Defamation, financial injury US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. Also FCRA Section 623 and FCRA Section 604 ( A ) ( 3 ). Protection under the FDCPA was violated Gearing v. Check Brokerage CorpCacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). Under these violations company must remove all information on  report until civil litigation is complete.

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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a inquiry on my credit report that I didn't do its not mines I didn't do it its not accurate, its not verifield and its not authorized and I want it removed asap its from jpmcb and its showing up on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: AVANTE
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I should start out by saying that I filed a complaint with XXXX  XXXX XXXX Washington DC & XXXX Pennsylvania, # XXXX. I have been trying to take an early withdrawal of a cd  since XXXX. On XXXX I called to verify and was told that the transaction where I close the cd and have funds transferred to an account at another bank ( all information on file ) was in process. I sent a few messages, they reply after a few days telling me that it is in process. Yet it is XX/XX/17 and the cd still shows active, funds have not been transferred. There are 60 minute wait times when trying to call them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: SC
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$14000.00XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$280.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ONEMAIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/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 explanation