BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
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 previously disputed reference item # XXXX and in response, Experian verified the item as accurate, stating that they have verified the information with the court. 
I contact the court, and their response is enclosed. It is clear they do not report to Experian or any credit bureau for that matter, therefore, their initial response verifying the court was either an error or a lie Either way, the reporting requirements do not comply with FCRA SS 611 ( 15 USC ss 1681i ), and the information must be deleted immediately.

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 2019-11-26
Company: American First Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2018, I called American First Finance about making a payment. I knew I wasn't able to pay my monthly because it's been laid off and was now back to work. I had worked out a plan with them, over the phone ( I recorded every call ) and they promised me a reduction in fees and this program would get my caught up. I authorized only 1 payment out of my account. I concluded the call this immediately I got texts from my bank stating my account was now in overdraft and the overdrafts were increasing! I looked my bank and spoke with them and put in a fraud alert. I had to have all of the charges reversed but American First had stolen over XXXX out of my account and my bank recovered only two of those transactions. I lost over XXXX which was the whole balance owed on the loan and the company refused to give me a receipt, since they had all of the money, or to stop harassing me with collections or even return the money they illegally stole. It's been a year and I get the same run around but now? I'm going about this differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of 2016, we opened a Chase Sapphire Reserve credit card with an add-on spouse card. The reason we opened our account was the perks and benefits promised for travel. XXXX of the most coveted perks was accessibility to airport lounges through the free XXXX XXXX offered with Chase. Initially, we had no problems and really enjoyed this benefit. The annual fee was {$550.00} plus and additional {$75.00} for the spouse card. It has since gone up to {$650.00} plus the {$75.00} annually. We have had no issue with paying this high fee since we felt the perk of being able to relax in the XXXX XXXX lounges before our flights were exceptional. A few years ago, we started noticing the lounges that contract with XXXX XXXX began limiting PP members. Many times we were unable to get in due to " capacity restrictions on PP members. '' Today I went in to check PP lounges available at XXXX for an upcoming flight next week and was shocked to see there are NO Priority Pass lounges at all in XXXX XXXX. I checked XXXX, NY and a few others and there were none. However, the XXXX XXXX website has a long list of XXXX XXXX XXXX. When lounges weren't available, a backup food allowance perk at certain restaurants was given. A simple lounge search on the XXXX XXXX website shows airports with lounges but the app does not show the same list. Total bait and switch. 

I have contacted Chase several times trying to find out why this has happened without resolution. Chase is still advertising this perk with their credit card however the perk is mostly unavailable. This is a real issue for me and my spouse. We feel duped and lied to, the benefits promised have been GREATLY reduced. We feel too many credit cards began offering XXXX XXXX that the lounges put in restrictions but Chase continues to advertise this perk. 

Is there something we can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-05-18
Company: Heartland Resolution Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been harassed about this " debt '' for well over 7 years now. I originally had a medical bill from 2013, and paid it off a month or two later through my insurance. I have since been harassed by numerous agencies trying to collect on this " Debt '' despite the statue of limitations ( even if I did owe it ) ran out years ago. 

They claim I owe a debt from 2013, 8 years and 10 months ago. They are harassing me, claiming I owe a debt which I do not. They are even being unscrupulous in their efforts to try to force me to claim the debt is mine ( It isnt ) by saying I can pay a very small amount in 60 days ( which would make 9 years later )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-18
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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

I understand that failure to investigate these accounts Within a period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed From my credit File. 

I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 168lid ) and 16811 - requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. look forward to hearing from you soon. 
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 2022-12-31
Company: LEXISNEXIS
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:
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a cashapp account that i can not get my money out of. I have tried chatting since monday with no success.i have slso called three times and been hung up on three times without resolve or a solution to the problem.i have not cursed to any of the agents and tried to be polite as possible. 
Cashapp is blaming everybody but themselves with the problem but refuses to fix a simple withdrawel of my money that i use daily. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received promotion mail from Truist bank. The promotion was that I will receive {$400.00} if I open my account and have 2 direct deposit of totaling {$1000.00} or more within 90 days of account open. On XX/XX/2023, I opened the account using the promo code that was mentioned in the promotion letter. I didnt get confirmation or acknowledgement that promotion was applied or not. Because of this confusion, I called Truist bank customer care on XXXX and informed them the same. The agent checked and informed me that promotion was correctly applied, and I should be getting promotion after meeting the conditions. I made 2 direct deposit transaction one on XX/XX/2023 of {$1000.00} and another one on XX/XX/2023 of {$10.00}. This should qualify me for the promotion. I called Truist customer care today ( XX/XX/2023 ) to verify the same. I was shocked when the agent informed me, I didnt do my qualifying deposit though she confirmed my current balance is {$510.00}. I asked her to check the transactions again as I can see both the transactions in my account. She keeps on stating that I didnt have any direct deposit other than {$10.00}. Then I asked her to check why I have balance of {$510.00} when I didnt make the any deposit according to her. Then she went back and checked with someone else and stated to me that she can see the deposit, but it is not qualifying deposit, so I didnt qualify for promotion. I was in complete shocked. I said it is direct deposit as it came from my employer, and it is qualifying transaction. She was resisting it. Then I asked her to connect me to her supervisor. I was connected to supervisor after few minutes. I explained her all the things, then she checked on something and informed me that promotion wasnt applied at the time of the account opening, so my account doesnt qualify for promotion. I said you can go and check the recording of XX/XX/2023 where agent checked and confirmed me that promotion was successfully applied to my account. I am very disappointed with the service. She told me she is going to submit request to check the recordings and it will take about 25 business days to hear back from the backend team.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: National Credit Adjusters, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime in late 2020, I received notice from XXXX XXXX for debt collection for a loan of {$710.00}, with interest now amounting to {$2300.00}. 

I have never borrowed money from, or heard of XXXX XXXX. 

I immediately contacted my local Police Department and reported this fraud. I filed a Police report. 
I have called XXXX XXXX on XXXX occasions to deny this debt. And I mailed a personal affadavit denying this debt. 

XXXX years have passed, and I thought the issue was resolved or forgotten. 

Now I received notice from a debt collection company. I spoke with them and they suggested the identitytheft.gov ; which sent me here. 
They allege that the money was deposited into a XXXX account ending in XXXX. 
we have a XXXX account that end in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ALLY FINANCIAL INC.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
So to set the scene : For about 2 years I have been working with XXXX and their credit card and recently were bought out or transitioned over to Ally. Well XXXX and XXXX my payments did not withdraw as I expected them too which was in part my fault as I did not transfer quite enough over to that account for the payment to process, However I have NEVER been more than a few days late on rare occasions. So I check my account to see the new app and find my XXXX payment failed. I also find out my Interest had been raised to 30 % without any reason or warning. I asked about lowering my rate after being a good customer for 2 years and was told no. In fact they encouraged and heavily implied the only way they looked at lowered interest was by not making payments. So opting not to ruin my credit for a few percent of interest I tried to make my payment online and found I could not and that my Routing and Account number had been 'Blocked '. So I call back in and find out due to my payments not going through that I was no longer able to make my payment using their app, online, or phone services but was then told if I was 35 days late I could pay with a debit card. Wow! What a deal that will no way affect my credit worthiness. So instead of them having any customer service whatsoever they double down and told me there is no way I can pay with my only method of payment and no one I could talk to. I feel like this needs to be rectified as this is affecting my credit over time and they are not even attempting to assist me or accommodate me and then saying there is policy and verbiage which I never signed with them or agreed to, nor have I previously or ever been warned about. I would totally understand if this outcome had I been warned of it but this is out of nowhere WEEKS after moving to a new company which has had nothing but an awful experience. Had I known and been able to pay this off in one go I would have to avoid this awful company.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: RI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
XXXX XXXX XXXX XXXX I filed a dispute with experian to inform them that my address is not correct also a company needed to be removed from my credit report along with documents showing it was wrong. it was still to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Convergent Resources, Inc.
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 information incorrect

Complaint:
On XX/XX/XXXX I went to a XXXX walk-in location and informed them that my account had an equipment charge in the amount of {$120.00} and that I wanted it removed because they came to the house and picked up the equipment when the service ended. The agent advised me there wasnt a charge for {$120.00} on the bill and that the bill was incorrect and refused to remove it. On XX/XX/XXXX my credit monitoring app also notified me that my balance was increased {$1.00} from {$500.00} to {$500.00} and this caused my XXXX credit score to drop XXXX points. This is incorrect.

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