BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
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:
This is my ANOTHER 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 : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: SUNCOAST CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off loam earlier than expected XX/XX/XXXX Asked for gap refund Which I added to contract Send Suncoast credit union also XXXX XXXX message about Gap refund Both parties in question denied I ever had the coverage I moved in XXXX of XXXX Found original contract Paid XXXX dollars for gap Insurance No one ever called Insurance company to cancel or Refund money I reached out to Insurance company for gap only to find out Insurance were currently active because Suncoast never canceled policy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX/Chase opened a charge card under my dead husband 's name. XXXX XXXX  XX/XX/XXXX. They won't cancel the credit card. They said they need more info to get into the card. I will not provide them with any info. We only have had a XXXX card for XXXX  years. There is no other bank and we never dealt with Chase ever in the past. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX They wanted my husband 's mother 's maiden name. I was reluctant. They said this card was opened in XXXX and last used in XXXX. That's impossible. I was the only person paying our bills.XXXX  had XXXX XXXX  and this is so wrong. This must be a scam. I don't want any closure of a credit card to ruin my credit rating. They insisted on private information. There's something very wrong. 
The credit card statement is {$0.00} balance but the idea they are bogusly sending a statement must be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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:
In accordance with the Fair Reporting Act XXXX  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, TX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.

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 2022-05-19
Company: EQUIFAX, 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:
In accordance with the Fair Reporting Act XXXX  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, TX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX. And all listed inquiries 15 USC 1681 Section 602A- I have the right to privacy.

15 USC 1681 Section 604A ( section2 ) - Consumer reporting agencies can not report any accounts with out my written instruction from a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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: Their investigation did not fix an error on your report

Complaint:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX  XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Contacted Bank OF America in reference to consumer account XXXX. In regards to U.S. Code 1692, U.S. Code 1692f ( 6 ), also FDCPA U.S. Codes 1681n ( b ) also subsections of this code section 805, 806, 807, 808, 809. They are also in violation of FCRA regulation and in violation of HJR 192 of 1933.

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 2017-11-04
Company: Total Finance AC LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My car was taken by city of XXXX i called my finance company many times on status updates with my vehicle a guy that originally handled my account i spoke with and he called trying to collect on a debt first time we spoke i started asking questions regarding my car and told him after repeated attemps to find out whats going on how can i continue to pay and know nothing about my vehicle when he then got closer to the phone and with a lower voice states thats not my problem that your car was taken very rusely so i asked for a manager and which he refused to pass me to one so i hung up and called back repeated time which i was then ignored so i waited a few days and called again they said they will get a manager to call back which never happened and then the same employee called again trying to collect on the debt this time not verifying who he was speaking with jist told all my information to a 3rd party so i finally got in contact with a manager which said she was sorry etc and i told her i only want to spk with members of management which continued to not happen so then another guy called and with no recordi g statement no mini maranda warning which was also never done prior then has the same remark stated by first employee so i then vr he was a collector he said yes i vr he knew his fdcpa laws said yes then i pointed out everything he did wrong and cease and assisted all Communications and started to look for a attorney which i still am seeking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I went to XXXX 'XXXX XXXX and purchased gas and as I left, I received a text message asking me if I made a purchase to XXXX XXXX and I said no. I then called them and they advised me that my account had been compromised and they sent me out a new debit card. On the XXXX of XXXX, I received the same text message asking me if I made the same charge and I didn't respond until the next day in which they had blocked my debit card again. I spoke with several representatives who was advising me to switch my debit card again or change accounts and that wasn't a solution for me because if my debit card number was changed, and they got the new card information, there wouldn't be any resolution. I called back and asked to speak with a fraud manager and she advised me have the debit card changed to a new debit card number which is called CIN Collapse with Citibank CRU Team. I agreed but was not satisfied with the resolve. I stressed that this is the 2nd weekend that I am going on without having access to my money. She said that I could walk into the branch and get money and that Monday I walked in a Citibank branch and had no access to my money. I called the fraud team back and was told that my account didn't look like it was a checking account but a pre paid account. I was told that I would receive a call back but never did. I got a new debit card that Tuesday and everything worked fine until today XX/XX/XXXX. I received a call from Citibank and I couldn't hear the representative and asked her to call me back. After 10 minutes passed and no callback, I decided to call Citibank to find out what was going on. I spoke with a representative who had me to verify my information and then was advised that my account was being closed because someone tried to access my account from XXXX. I advised her that I have never been to XXXX and that no one but me have access to my account. I then asked to speak with a supervisor and she said that she was sending them an email and they will call me back. I was not okay with her explanation and I called back. I was then told that my account was not being closed due to someone accessing my account in XXXX but because some merchant and consumer rule was violated and I asked for a supervisor she also said someone would call me back and abruptly hung up. I have direct deposit other transactions that are scheduled this week and my account is restricted. I am very upset about this and I will be going into a branch as soon as I get back in 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXXXXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: Genesis FS Card Services, Inc.
State: AL
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 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 2023-08-23
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-05-19
Company: SYNCHRONY FINANCIAL
State: AL
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 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 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 2022-05-19
Company: EQUIFAX, INC.
State: NJ
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:
XXXX has been Over 60 days later I still have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this account several times and the last time was XX/XX/2022. I was told if I paid this account off in full this account would be removed from all XXXX consumer reporting agencies. The balance is XXXX but its still reporting and when I spoke with the representative years ago I was told it would be removed thats why I paid the debt in full. I feel this was misrepresentation and illegal if they did not hold up their end in removing the debt like they said they would.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX has been Over 60 days later I still have not been 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 2022-05-20
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 u.s.c. 1681 section.s 602 A. States I have a 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 2020-07-30
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am conservator for my mother. On XX/XX/2019, she instructed Chase Bank to stop payment on two checks she had written. Neither check had cleared the bank, yet. 

Both checks were subsequently paid a few days later. 

My sister and I, ( co-conservators ) have been working with Chase over the past several months to determine what happened. They have not provided any information about why the checks were paid and are refusing to reimburse the amount. 

We have engaged our legal counsel ; incurring additional legal fees. 

Chase continues to refuse to refund the money even though they do not know why Checks were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA 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 2023-08-23
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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