BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax refuses to accept documentation from me from XXXX XXXX stating that the bankruptcy does not belong to me I have contacted them today XX/XX/19. 

I have attached some documents from XXXX XXXX I want the bankruptcy removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Capio Partners, LLC
State: NC
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Thunderbird Collection Specialists, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I asked for verification of the debt owed to Thunderbird Collection ( because I have no idea what they are talking about ) years ago and have never received anything but continued threatening calls. Eventually I asked them to cease and desist further communication with me and they started calling my XXXX XXXX  mother and telling her I have a bogus debt and threatening her as well. This has to stop!

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 2021-06-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Charge was issued on my chase app under an XXXX charge I did not purchase. {$1.00} was taken out and put back in. I did not do this ; I reached out to XXXX who is calling me tomorrow ; froze my debit card, and am calling chase in the morning. The transaction is listed as a well known fraud in a XXXX search.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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 2019-07-08
Company: FULTON FINANCIAL CORPORATION
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:
Card was left lost stolen not in my possession. 
Used for XXXX withdrawal. 
At not my atm bank but one across the street. Didn't notice it missing till next day. Called bank. 
Pending even though money was taken. 
Somebody stole it used it not for credit but cash can't figure, i didn't even have a pin mu, bed.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid 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:
I have been using chase bank for over 10 years. I went into my local branch and met with a banker about opening a credit card that had a 0 % introductory interest rate on balance transfers. The banker recommended the freedom unlimited card, saying it will will have 0 % interest on balance transfer and all purchases for 12 months. 2 months later I am getting interest on the balance transfer, which was the only reason I opened the card. So I call the customer service 1800 number and they tell me the interest is correct and the banker was wrong. They say there is nothing they can do and that I should go and talk with the banker. I schedule a meeting with the banker. Upon meeting with him he is perplexed when I tell Im about the interest charges. He makes some calls to corporate and they inform him that they just changed the card to exclude balance transfers on the introductory 0 % interest rate. He tells them that the information he pulled up on the card and the disclosure signed show N/A for interest rate on balance transfers during the introductory 12 months. They say there is nothing they can do. Ultimately neither corporate nor the branch manager made things right and I am still being charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14
Company: Experian Information Solutions 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:
I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. Experian, XXXX  and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and Experian, XXXX, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-10-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was victim to a XXXX scam via the Chase mobile app on XX/XX/XXXX. It was during a potential XXXX marketplace transaction for a used baby product I was selling. The scammer said via XXXX XXXX that the payment they had given me was being held by XXXX due to her account being a business account and that i would have to upgrade my account to a business account to receive my money. I was also sent an email by the scammer from XXXX verifying this. Outlined in the email, the buyer would first give money to XXXX, followed by me giving the same amount to the buyer. XXXX would then release funds to me once I had an upgraded business account. This resulted in two separate transactions, one to the buyer and one to a XXXX agent. I lost a total of {$1000.00}. I contacted Chase regarding this on XX/XX/XXXX and filed a claim. I also sent Chase claims supporting emails and chat transcript with the scammer. I was denied any reimbursement from Chase on XX/XX/XXXX with a letter saying that as we discussed and agreed, no action will be taken. I did not agree that no action would be taken. I was under the impression a claims agent would look into my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EPA USA INC
State: GA
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 EXPRESSLY REQUEST YOU TO ABIDE BY THE LAW passed by the US Congress in XX/XX/XXXX and send the required disclosures pursuant to 12 CFR part 1006.42 or delete this false and negative item from my credit file. 

On XX/XX/XXXX I wrote a letter requesting Validation of this alleged debt and have yet to receive a response. By law, you are required to respond within 30 days or delete this felonious and negative item from my credit file. Therefore, you have already violated the law and this is another notice I am sending you. 


Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act 12 CFR Part 1006.34 stating your claim is disputed and validation is hereby requested. Otherwise you are required by law to delete this negative, false and erroneous item from my credit file. 



You are hereby on notice to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: GOLDMAN SACHS BANK USA
State: GA
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 Apple Card Gs bank usa, has violated my rights. 
15 USC 1681 Section 602 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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, 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:
I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, Equifax and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: NJ
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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I tried to make a purchase using my account and was told by the retailer that I was on a hold with the bank and they transferred me to the bank. Bank originally said my account was suspended pending review, I asked repeatedly why it was being review without receiving an answer. I asked to be transferred to a supervisor, who then informed me that the account was actually closed. I asked why it was closed and I was told it was fraud. They stated that I had been sent a letter informing me of the fraud, and that it was closed because I hadn't replied to the letter. I was also told that in order to make the purchase, I needed to reapply and open a new account. I then asked to speak with the complaint department, and instead was sent to a different customer service person who reiterated the exact same information. Nobody at any point was able to tell me why it was closed other than " fraud '', and nobody had any more information. I was told that it was handled by a different department. I asked to be transferred to that department, but was told they were unable to transfer there. I then asked if they had a phone number I could call, but they said they did not. There was no way to contact the department that supposedly make the decisions to close accounts. I then was transferred again, this time to the complaint department after requesting to speak to them. They took my information, and I asked why I hadn't received a phone call. They stated that they sent one letter in XXXX, and then closed my account today. ( which I pointed out is very coincidental considering I was trying to use my card today for the first time ) I am complaining because I only had one attempted contact, via mail, which I never received. They then closed my account with no notice, and no other attempts to contact me by phone or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
I am in the process of getting a house and I have found several violations on my credit report by the credit agencies. It is my understanding that I should have been contacted within 30 days of resolution to my letters that I have sent to the credit bureaus. It has been over 60 days and I have still not been contacted. The violations that I am a victim of are affecting my personal life and goals and I demand the violations be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
DUE TO BEING A VICTIM OF IDENTITY THEFT, BECAUSE OF **EQUIFAX DATA BREACH ( CCRA ) ** I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THIS BREACH. ///MAKING POLICEREPORTS//// HAVING TO FREEZE MY ACCOUNTS///MY MAILBOX HAS BEEN BROKEN INTO. CHECKS HAVE BEEN STOLEN AND CASHED. {$10000.00} MONEY ORDERS TOO AND ON OR AROUND XX/XX/2020, SOMEONE USED MY IDENTITY BECAUSE OF THIS BREACH, TO PURCHASE XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX IN THE AMOUNT OF {$8700.00} I HAVE SPENT HUNDREDS OF DOLLARS, TRYING TO COORECT THIS MATTER IN GAS//MILEAGE/ COPYS/FAXES/ POST OFFICE MAILING. I ASK OF YOU IN YOUR CAPACITY, TO HELP ME ALLOCATE MY EXISTING PROBLEMS AND DILEMMA OF FURTHER LIABILITY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been submitting countless CFPB complaints and FTC dispute letters to you to request that you remove the fraudulent accounts and information from my Credit File as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the follwing fraud accounts and information from my Credit File as soon as possible : 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 US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX} US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED 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. Also, you have been failing to send me copies of proof of verification from your investigation and yet you continued to report these items as if verified. This is a clear violation of my consumer rights under the FCRA. I need you to remove the disputed accounts and information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: General Motors Financial Company, Inc.
State: PA
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:
In XX/XX/2013 I did open a car loan with GM Financial. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.

Company response to consumer: Closed with explanation