BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
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: Account information incorrect

Complaint:
Original creditor sold the debt and its now reporting wrong balance on my credit report i will like to have this verified and if not deleted from my credit 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 2022-05-29
Company: ALLY FINANCIAL 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

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 2022-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm currently in the process of purchasing a home. I have made several attempts to contact Equifax to unfreeze my account. I send in every document to prove my identity. However, each attempt was a failure. First they told my information did not match, then while on the phone with the XXXX agent, sent me a link to upload my ID and SS card. I was told that I was to dark to see. Please help me understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, Short story : Chase Bank refuses to open Business Checking accounts for General Partnerships licensed in XXXX XXXX. They keep changing what documents are " required '' for KYC despite us complying with everything. 


On XX/XX/15 I walked into Chase Bank to ask questions about opening a Business Checking Account for my band. My band has a Federal TIN and is registered/licensed with the city of XXXX XXXX as a general partnership ( only two owners ). We already have a XXXX XXXX account with XXXX XXXX XXXX XXXX but decided to move to Chase. After I confirmed with the banker at Chase that everything was in order, I then closed the account at XXXX and walked back to Chase with an Official Check and my business documents. 


The banker then proceeded to inform me that I don't have " partnership agreements ''. In the city of XXXX XXXX, such agreements are not necessary, moreover, that is not an actual legal document. I've already successfully filed taxes and had checking accounts with this business for a year - it's tiny, just a band that I have on the side. 


I then called XXXX and asked what they would need. We have driver 's licenses for both partners, passports ( or debit cards for second form of ID ), XXXX XXXX Registration Certificate, and a Federal TIN. They said that should be enough to open the account. When I tried a second time they then said my XXXX Registration Certificate is wrong and should list both partners. I checked with the city and even logged into my online portal to be absolutely sure I registered the business properly with both partners. Both partners are accurately listed with the city but the city does not identify partners on their certificates, just the DBA/Business Name. Here is an example of a XXXX  Registration Certificate I found online : https : XXXX Partners can be verified using the city 's online portal by anyone, but they charge a fee which I'm assuming the bank does not want to pay. I even offered to pay this fee and they refused. So I'm literally stuck with no bank account right now because the bank is unable to figure out their own KYC requirements. I'd understand if I had made a mistake on my paperwork but that is definitely not the case. I used to work in compliance at a bank and I'm frankly puzzled by what additional documentation we'd have beyond Federal TIN, XXXX, and Driver 's Licenses for the owners. This isn't an XXXX so no Articles of XXXX or anything are needed. Not only that, but the bank keeps changing the requirements as if they are making this up each time. We are just a small funk band that makes maybe a few grand a year as a side project. 

Locations involved : Downtown XXXX XXXX and XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
Nearly 2 months later Experian STILL has not mailed me my FREE annual requested credit report! Thank you.

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 2017-11-14
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened US Bank checking account with Promo Code " XXXX '' for {$200.00} sign up bonus for meeting one ofthe two following requrinments. 
" To receive a {$200.00} bonus open a new U.S. Bank Silver, Gold or Platinum Checking Package, and complete one or more direct deposits totaling at least {$500.00} or complete two or more U.S. Bank Bill Pay transactions of {$25.00} each within 60 days of account opening. " I did two bill payment transactions on XX/XX/XXXX through the bill pay section of the online banking user interface. 

I called the bank on Wednesday XX/XX/XXXX to check the status at XXXXXXXX XXXX  Central time. 
I was transferred to 3 different representatives. The gentleman I spoke to last said that I did not qualify as the bill payments I made were not classified as bill payment. 

I would like to bring to the notice that I did those payments through the bill pay section as they can be seen in my bill pay history in the attached screenshots. 

I have been wrongly denied the bonus and would like to request that the {$200.00} is deposited in my account at the earliest.

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 2023-12-14
Company: KEYCORP
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/ I made a new bank account at Key bank in Colorado. On XX/XX/ i fell victim to fraud when a friend of mine asked me to cash a check for them in my account. I said okay and that day my account was frozen then later terminated. I spoke to a rep over the phone she said '' things like these happen all the time, and that i should just go in and explain what happened. '' well, now Im on a hot list and trying to get off of it so i can get my direct deposit working at my job but i cant because of this fraud error Im getting. I need help in the process im supposed to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
I have started disputing errors, omissions, and inconsistencies on my credit reports on all 3 major credit bureaus. I know Barclay 's received my disputes because of XXXX After 45 days, I noticed my disputes were ignored, and not even marked in dispute. I disputed the account again though the credit bureaus, and with Barclay 's directly. While one or 2 of the items I disputed were modified, the credit reporting is still loaded with errors. After consulting with a professional, I decided to file for arbitration against Barclays in XXXX. It is now XXXX, and other than their attorney introducing themselves, no action or communication has happened. Even now, I am willing to resolve the matter if they would simply communicate with my authorized representative.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00}

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 2023-02-05
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my Robinhood debit card was stolen. I promptly reported the card as being stolen to the company. However XXXX charges of worth {$270.00} and {$780.00} had already appeared on my statement. Those charges were not authorized by me. However I have not received any answer from the company despite emailing them about this twice over the last week. It's been a week and I have received no response from the company about those unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  Accounts # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX 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

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 2018-05-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called American Express on XX/XX/2018 because I was unable to make payments because of their system. 

When you add a new bank account, it is probationary ( but not mentioned that it is ) for 30 days and their system only allows you to make limited payments. Because I was unable to make payments with their banking system, my credit card became over the limit which negatively affected my credit score.

I called their customer support who stated that they were unable to help me and that " everything looked fine from their end '' and my account was not delinquent. 

I have been an American Express customer for 7 years and have never had any previous credit cards enable this restriction on bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts I have listed below XXXX BANK XXXX rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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. 
15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2022-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: CA
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:
There was a auto loan that was open fraudulently in XXXX under XXXX XXXX XXXX  DEBT OWED {$9900.00}. 
I HAVE MENTIONED THIS ACCOUNT TO EXPERIAN DIRECTLY AND INFORMED THEM THAT I DO NOT OWN THIS ACCOUNT IT WAS OPEN DUE TO IDENTITY THEFT. I HAVE FILED A COMPLAINT WITH OUR STATE ATTORNEY GENERAL I HAVE ALSO FOUND A COMPLAINT WITH THE XXXX XXXX XXXX THAT RESPONDED THEY DID NOT FIND MY NAME IN THE CONSUMER DATABASE WITH THIS COMPANY. This response came directly from XXXX employee name XXXX XXXX letter sent to me via email XX/XX/XXXX. Please contact them for verification of my complaint and their investigation results. My case ID # XXXX. I IMMEDIATELY CONTACTED EXPERIAN VIA USPS MAIL CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. THE RETURN RECEIPT WAS RETURNED TO ME XX/XX/XXXX PLEASE VIEW THE PHOTOS ATTACHED. ALSO I SENT DIRECT DISPUTES TO XXXX XXXX XXXX USPS CERTIFIED WITH RETURN RECEIPT AND PRIORITY TRACKING. ALSO RECEIVED THEIR SIGNATURE ON XX/XX/XXXX AND XX/XX/XXXX FROM EMPLOYEE XXXX XXXX CONFIRMING THEY RECEIVED MY MAIL. YET I HAVE NOT RECEIVED ANY RESPONSE BACK FROM THEM.PLEASE VIEW PHOTOS ATTACHED. TO PROVIDE THEM THE POLICE REPORT IDENTITY THEFT REPORT AND OTHER SUPPORTING DOCUMENTS. THIS MATTER HAS BEEN DISPUTED SINCE XXXX. YET IT IS STILL BEING REPORTED ON MY CREDIT FILE. MY RIGHTS INDICATE AS LONG AS I SUBMIT POLICE REPORT AND IDENTITY THEFT REPORT ALL INFORMATION I REPORTED TO THEM ON THIS ACCOUNT WOULD BE BLOCKED. I NEED THEM TO REMOVE THIS ACCOUNT AS IT DOES NOT BELONG TO ME. Police report was filed on XXXX XXXX the report # is XXXX. Please view attachment of police report filed. ALL MY STATEMENTS IN THIS COMPLAINT CAN BE VERIFIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-12-14
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hi, My loans since XXXX have been at a fixed interest rate for over XXXX. Now some of my loans are in variable interest rates and fixed. My interest rates has not changed in over 20 years on my loans. I have never consolidated my loans due to this. Now all of my loans have high interest rates and were closed and reopened on my credit report I don't know how this is even possible. 

Another complaint I have is each time I worked with XXXX XXXX and was not able to make payment on my loans the customer service agents either put my loans in deferment or forberance. Where if I was guided on income repayment plan most of my loans would be paid off or completed in XXXX. 

Navient aquired my loans in XXXX about and did the same thing. 

I have also worked in non profit organizations for XXXX  years but then was told that my loans don't approve for forgiveness plan even though I worked in a lower paying job for this option when I was appplying for forgiveness. 

My sister told me about the IDR plan XXXX  years ago. so all of my loans are on a XXXX  year idr plan. In XXXX my IDR was in review and I accured late payments on my loans even though the student loan payments were in grace untill XX/XX/XXXX. Navient is stating they didn't have to follow this due to being a private loan company. 

I feel like XXXX XXXX and navient are corrupt companies and honestly should be about done with my student loans. Also if they would educate people about the right payment plans maybe people would not be in such issues on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

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 2023-03-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2019-10-24
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Identity Theft!!!! 

Someone used the information I provided on a passport application to take out a vehicle loan and I was just contacted to log into the account.

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