BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
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:
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 Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 accounts. 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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
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:
Thank you for responding with the payment history information about account ending in XXXX in your confirmation letter of payment history XXXX XXXX XXXX record states that the last payment credited/paid to account is XX/XX/2017 ( year & month ) in the amount of {$130.00}. however XXXX XXXXXXXX XXXX is reporting to Experian credit reporting agency that there was three additional payments made on account ending in XXXX for the months of XX/XX/2017, XX/XX/2017, XX/XX/2017 which NO payment was ever been made but in fact is being reported! Reporting XX/XX/2017 as last payment made on account XXXX which is not accurate! As stated in your letter account XXXX charged off on XX/XX/2017 yet you report to Experian the account was only 60days late on XX/XX/2017 when in fact the account had charged off already! I have attached your response letter along with Experian credit report as I have done in this past dispute on XXXX XXXX report # XXXX so XXXX XXXX XXXX could be aware of what was actually being reported yet XXXX again certified to Experian it is reporting accurate when in fact it has not for the pass 5yr 8mo! SO THAT I'M CLEAR I'm not disputing the account status or account balance please refrain for using such response, my concern is only the payment history that is being reported inaccurately to Experian! Based on the payment history information you responded with on XXXX XXXX it doesn't match! if you are having an issue reading the payment history report from Experian it is based on year and month account payment reporting. So if you go to year and month you can see what actual is being reported that it does not match you ( XXXX ) record! XXXX has certified to Experian it was reporting accurate information if that is not true this account needs to be deleted XXXX had numerous chance to make correction but filed to do so deleting is required!

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to XXXX, XXXX and Transunion in XXXXXXXX XXXX XXXX regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XXXX XXXX XXXX  I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : 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 2023-03-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, visited XXXX, VA branch and requested account opening for small business, sole proprietor checking account, in response to a promotional advertisement for {$500.00} opening account bonus. Upon discussing with the Branch Manager and an associate, they agreed to open account and informed me of a special interest rate. Upon disclosure of the {$500.00} promotion, the demeanor of representatives changed and they informed me that a promo code was needed. After providing the terms of the promotion, attached with complaint, and pointing out that the fine print eligibility did not contain such language, they continued to argue with me about the bonus not being paid once terms were met. Regardless, I informed the representatives that I would like to proceed, and that if bonus failed to be paid after all terms were met, I would escalate at that time. The associate then began the account opening process, obtaining all required information to complete the account application. Upon nearing completion, Branch Manager, came back to advise that I would not be paid the bonus. Upon asking for this statement in writing, and advising that it an illegal practice to advertise terms and not honor them, Branch Manager, terminated the application process and I advised that I would file a complaint with CFPB. This complaint serves as that promise and to outline the illegal activity this financial institution is undertaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2023 I returned a rental car ( supposed to be charged at a compact rate ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. I rented a car on XX/XX/2023 ( XXXX ) and had to return it on XX/XX/2023 for mechanical problems and I was given a XXXX. I was charged {$2400.00} ( approximately double what I owed ) on my XXXX XXXX XXXX. I bank with my student bank account XXXX XXXX and at the time, I had a - {$8.00} in my checking account. My Mastercard debit/credit card is linked to my checking account. On XX/XX/2023, I called and asked why the unauthorized charge of {$2400.00} was on my account when I had a negative balance and there is no overdraft connected or even possible with the account. I was told that because I had a positive balance ( which I did not, I had a balance of - {$8.00} that the {$2400.00} was charged to my account ). 
I have called a couple of other times because each time I called, I was given a different answer. Finally, on XX/XX/2023, I went online and filed a dispute with XXXX XXXX. 
This drastically affects any college monies that I will/may receive in the future. I do not understand why XXXX  would allow a transaction when there was no monies there at the time of the transaction.

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 2023-05-04
Company: JPMORGAN CHASE & CO.
State: NJ
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/XXXX, I received a notification that my checking account was overdrawn. When I took a look, I saw that over the course of 2 days XX/XX/XXXX and XX/XX/XXXX, there were multiple charges from XXXX XXXX totaling over {$4000.00}. When I looked at the app I noted that these charges were made within minutes of each other in large amounts up to {$400.00}. I will admit that I have the XXXX 's app on my phone and that I have used it. But my usage is minimal and not with the frequency or the amounts that it was utilized over those two days XX/XX/XXXX and XX/XX/XXXX I immediately called XXXX 's to report this. That evening I obtained a police report and faxed a copy to XXXX 's and Chase Bank where I have my checking account. XXXX 's told me that they were able to trace the transactions to my cell phone. I worked long days on XX/XX/XXXX and XXXX. I am an XXXX XXXX XXXX XXXXXXXX at an assisted living facility and not allowed to carry my personal cell phone on me. I have been given a cell phone provided by my employer that I carry instead. My cell phone in the wallet case that allows me to store my driver 's license, credit card, debit card, is left on a desk in the office while I'm out working and running around on the floor. I hate to believe that someone got a hold of my phone and went into the valley app where my debit card is connected and ran up all those charges. I work in a very busy building. We have third-party providers my coworkers, residents, their families and visitors. I can only imagine that someone accessed my phone without my knowledge. Yes, I have played online games with XXXX 's casino. But I did not play over {$4000.00} worth in such a short amount of time. I'm a single mom with a mortgage and I'm currently in the process of refinancing my mortgage. I am the sole provider for my family, including my MotheXXXX. While taking a closer look at these transactions, it was clear that my bank continued to authorize payments to XXXX 's even after my account was already overdrawn. On XX/XX/XXXX I also contacted my bank to notify them of all of these charges that I did not authorize. At the conclusion of their investigation, I was notified that my claim was denied because XXXX 's confirmed that the transactions were made from my cell phone, the same phone used for previous transactions made through their app that I've admitted were mine. But I stressed to them that I did not authorize the transactions made on XX/XX/XXXX and XX/XX/XXXX! I need help recovering the money that was essentially stolen from me. Please. My checking account remains overdrawn. I have automatic payments being presented to my bank. My mortgage payment was returned and NSF fees continue to accrue. This has been awful. I have canceled my credit card and closed my XXXX 's account, because I'm sure that whoever did this has also written down my information to take with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Grain Technology, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The company asked me to send them private pictures of my social security card front and back to verify my identity a year plus after already having the card and blocked me from accessing my account. I told them I wasnt comfortable and they stopped responding for months. I happened to notice after several months that they started allowing you to verify with your drivers license since enough people were complaining about sending them their social security card. I submitted my drivers license and it pended for about 6 months while I continued asking them when I would have access to my account. Now as of a week ago they sent me an email that says that they decided not to allow me access to my credit card and thats their final decision because I didnt send them my private pictures when they wanted me to. This can not be legal. Im beyond disgusted. Im trapped in this nightmare of a card and was supposed to have a {$1000.00} credit card line. I have about {$600.00} available credit that Im not allowed to access and I have no idea what I actually still owe because theyre auto drafting my account every month for the remaining balance but I have no access to my account. How can I report them for fraud and illegal business practices? This is unacceptable and more people need to know what Grain is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. 






The CORRECT Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX//23 I was victim of a phishing scam ; no assets were lost ; XXXX/XXXX/23 bank froze my checking and savings accounts. XX/XX/23 attempted to use existing debit card, declined by vendor. XXXX/XXXX/23 new debit and credit cards sent by USAA, activated ; received communication from USAA indicating that no fraud had occurred. I contacted USAA and requested a re-review of all circumstances. XXXX/XXXX/23 attempted to use new debit card, declined. XX/XX/23 USAA communication indicated that I would receive another debit and credit card. I will activate and likely have transaction declined as USAA organizationally does not appear to have integrated their systems to preclude new cards being sent to subscribers with " frozen '' accounts. 

I have made numerous calls to the security and fraud department of USAA regarding frozen assets, the status of my auto bill pay, USAA insurance, mortgage and XXXX XXXX XXXX payment, accrual of interest on savings account with no response. At NO time did I receive written communication from USAA. Further neither me nor USAA sustained any financial loss due to this criminal activity. 

On XXXX23I drafted a letter to the USAA CEO, Chairman of the Board and Sr VP and General Manager Bank Fraud Management and General Operations . 
This letter identified the situation, reminded them that I had been a loyal subscriber for over 30 years, as well as a XXXX XXXX XXXX XXXX. I am nearly XXXX years old, XXXX with XXXX XXXX and a recent XXXX XXXX XXXX. I requested the immediate closure of my savings accounts and forwarding of a certified check for the account balances so that I can, with a new bank, purchase my medicine, pay my mortgage, XXXX fees, utilities. I have received no response. 

This treatment which I believe is a further victimization of a loyal, senior, vulnerable subscriber, without a clear explanation of the process and access to my funds clearly merits examination from both the highest level of USAA as well as the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I believe my former employer had people apply for credit cards with 6 different companies that did Hard Inquiries at the three major credit bureaus. 
After contacting the six companies they all agreed I was a victim of a fraudulent application and notified the 3 Credit Bureaus to remove the Hard Inquiries from my credit report. They all did except Transunion who will not remove the hard inquiries even after being notified by the requestor they were fraudulent applications. I personally requested Transunion remove the following Hard Inquiries filed by : XXXX XXXX on XX/XX/22 and XXXX XXXX on XX/XX/22. Both companies claimed to have contacted Transunion to remove hard inquiry. 
Transunion just keeps bumping the solution date for another 30 days even though the requestor has identified the requests as fraudulent.

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