BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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 XXXXXXXX* 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 an 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 2022-12-08
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account nameXXXX XXXX # XXXXhas violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.this is a Fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-07-02
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They have not been reporting the payments thT we made at all just saying we Late but payments are make .payment history enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the past 4 months, I have acquired 7 overdraft fees. Each fee is {$36.00}, totaling {$250.00} in fees. 
It was verified by an employee on the phone that i spoke with on XX/XX/23 that I never approved overdraft protection services. These fees and the associated transactions that triggered them shouldnt have happened. 
In addition, the policy is that you have until XXXX the day the overdraft occurred to add money to avoid a fee but nearly every time I have experienced this, the fees happen OVERNIGHT when Im sleeping. I go to sleep and my account is in good standing, in the morning it is negative with Multiple Overdraft fees. I was denied any refunds because of an error they did/corrected back in XXXX that resulted in a refund of an overdraft fee. So because they corrected an error, I am not eligible to request a refund of overdraft fees for a year. 
I asked how do I avoid Truist approving transactions when my account is low and I was told some things may be approved regardless. 
I check my account on the app often and ensure I have money before I spend it. Transactions dont display the same day sometimes. It is hard to manage your money with this bank. 
I feel this is incredibly unfair and confusing and I am eager to get my money back, switch banks and tell everyone about my experiences with Truist.

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 2018-06-03
Company: JPMORGAN CHASE & CO.
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:
Before and during my marriage, I was added to my wife 's CHASE credit card as an authorized user. She has had the account in her name since XX/XX/XXXX while I was added on sometime between XX/XX/XXXX-XX/XX/XXXX. Since XX/XX/XXXX we have been divorced with no contact. I am unable to remove her delinquent accounts from my credit reports and am unable to find resolution through CHASE credit card company due to the fact I have no other information than our names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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 am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts below to be remove, According to 15 USC 168 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

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 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed.

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 2023-07-03
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my second attempt at getting a resolution with a Mobile bill that has been placed in collection. It was originally placed through XXXX XXXX XXXX when I reported it to your organization. XXXX response was that, " The account was placed in a disputed status and collection activity was suspended. On XX/XX/2022, we mailed you documents obtained from XXXXXXXX validating the balance they state is owed. In addition, you were also mailed a fraud packet. In an attempt to help you find resolution '' The above statement is false. I never received a packet, if I had I would have taken care of this issue. I do not want to waste your organizations time, but I need assistance with resolving this matter. I am asking that XXXX proved proof with my signature on a contract dated for the dates of service. I have requested this from XXXX and they have not been able to provide that information. I appreciate any and all support you can provide. I am retired and live on a fixed income and would like this matter resolved once and for all. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got a credit card with Opportun BankCard Center in XXXX. I had difficulty with making payments therefore I consolidated my debts with XXXX  XXXX XXXX XXXX XXXX. Opportun reported I was 30 days late each month I was working with XXXX XXXX XXXX XXXX although they accepted the minimum payment from them. I got a recent invoice from XXXX on XX/XX/XXXX AFTER I have paid them in full {$460.00}. This clears my debt. This company reported me 180 days late this past XXXX XXXXXX/XX/XXXX and I paid them XX/XX/XXXX. I see the payment due date is the XXXX of each month although the billing cycle starts the second of the month. 
Either way they trashed my credit I believe for XXXX reasons since I am XXXX XXXX and I feel even though I have paid off the credit card they still seek to destroy my credit by not reporting the card as paid off but as still late. 
DO NOT accept a credit card from these people because they will take your money and still report you as late. This is wrong and although I spoke with a XXXX on XX/XX/XXXX about this matter she was quite dismissive of their mishandling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: US MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, I was referred to XXXX XXXX by my best friend for a modification on my house. Unfortunately because of my desperation I trusted this so called mortgage/modification professional with my case. He first ask me for {$3500.00} on XX/XX/XXXX to start with my modification case and stop my foreclosure. After several months I ask why it was taking so long and XXXX said that the government was forgiving some back mortgage debt and that it was better for me to wait for the modification. He then ask me for a second transfer on XX/XX/XXXX for {$1200.00} saying that the bank underwriter over was asking for it to keep my modification application under the loop until everything was ready to be submitted. 
After a long while and not seeing any results or any documents I decided to called my lender and they had no idea of my interest in the property, they didn't know who this person XXXX XXXX is or was and they express they had NEVER communicated or worked with him. He works for Us Mortgages Corp so I also contacted US mortgages Corp in XXXX XXXX and they also stated they had nobody with this name work for their company. I was informed that nobody has submitted ANY documentation for any modification whatsoever. I, myself had to submit AAL DOCUMENTS and application to start the modification myself without the assistance of nobody. XXXX XXXX just scammed me my {$4700.00} and didn't help me with ANYTHING I spoke to XXXX XXXX on XX/XX/XXXX and demanded my money back since he didn't submitted any documentation to the bank and to NOBODY. I have him on voice recording agreeing to return me my money by XX/XX/XXXX but he has yet to return me my money. There is no records of no documents filed by XXXX at all. On XX/XX/XXXX, I had to start and submit the documents for the modification with my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$13000.00} -This is not my 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
Consumer complaint received 2021-03-15
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I became a customer of Cashapp in XXXX. The debit card info that I entered to do transactions is tied to only one of my XXXX XXXX accounts. I have a total of 3 XXXX XXXX accounts. Upon initiating my first transaction to send fund out, a message popped up that said : " select the account to want to use ''. I was shocked that it said that because the debit card is tied to only one of my accounts. They ( Cashapp ) had access to all three of my accounts and showed the balance in each account. How did they get access to my other accounts and how would they even know that I had other accounts when the debit card is connected to only one account? I needed to get the transaction done, so I selected the account that I wanted to use. After doing that, I called XXXX XXXX and verified that the debit card I used with Cashapp is tied to only one of my accounts. Then I started asking Cashapp how were they able to know about my other accounts, when my debit card is connected to only one account. Cashapp started sending me generic responses. A few days passed, so I called XXXX XXXX again and they confirmed that my debit card is tied to only one account. I explained to them what happened and told them that there must be some type of security breach for Cashapp to access all of my accounts. XXXX representative said they will check into it, but I haven't heard anything back from them. Again, I contacted Cashapp with the same question. They have replied to me several times but with only generic responses, as if I am communicating with robots. I advised them that I was going to file a complaint because I did not give them any authority to access my other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 these companies, XXXX XXXX XXXX  Account # XXXX and XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have reached out to Transunion to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the XXXX national emergency ends. I got XXXX in XXXX and was hospitalized from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.

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 2022-12-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Acct # XXXX I did not give permission for this to be reporting to my credit report. 

Please remove right away.

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 2023-07-29
Company: Regional Management Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Report Number : XXXX  Account Name : XXXX XXXX.

Account Number : XXXX Address Identification Number:XXXX The address associated is mine. 
The name on the account is incorrect. 
Ive been harassed by multiple debt collection age agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2022-11-27
Company: EQUIFAX, INC.
State: TX
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 these companies, XXXX XXXX XXXX Account # XXXX and XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXXXXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;

Company response to consumer: Closed with explanation