BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On Friday XX/XX/2023 I was a victim of theft where most of my personal items were stolen, in which my cellular device was taken as well. My cashapp had been logged unto this device where the person sent over {$140.00} dollars to someone I had never done any transactions with. That same day I was able to purchase a new phone in which I've added my cashapp information to that device and updated my phone number removing old information so the old device wouldn't be able to access my account anymore. I proceeded to send over a refund request because I simply didn't know what else to do and I knew this had been an unauthorized transaction. In hopes that the person would refund me my funds I waited to contact cashapp, the person still hadn't responded so I called cashapp Monday morning to let them know of the issue but they were no help to the situation although it states they would protect all customers. I've explained to the company I had never done business with this individual. I know according to consumer laws when a consumer states that there's been unauthorized transactions theyre supposed to investigate which they still didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, 2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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 Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-24
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$850.00} 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 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 2023-05-13
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 status incorrect

Complaint:
I submitted a dispute and informed them that was not me. replied back dispute closed

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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
On XX/XX/2021, I received a text message from XXXX  informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXX.My heart raced as I called Capital One to see what had happened. I keep a XXXX  balance on all my credit cards,20 cards XXXX balance. When I got in touch with Capital One they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank XXXX XXXX nor Capital one. There has never been a time that I did not have {$19.00}. I pride myself on having a XXXX  balance. I knew I had no debt or thought I had no debt. Capital One reversed all charges, late fees. XXXX XXXX apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. Capital One account # XXXX XXXX XXXX XXXX, XXXX XXXX account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed due to extremely high car payments and insurance added onto the loan that I never had with the bank, they never informed me of this and made my payments so high I could not keep up. They would not work with me to lower them as well. I had my own insurance for the car. My car was then repossessed and taken due to not being able to keep up with the payments. This was after I also got it out of repossession and tried paying on it again.

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 2022-05-21
Company: Experian Information Solutions 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:
On XX/XX/22 I submitted a complaint to the following credit Bureaus XXXX XXXX XXXX and Experian stating the the information that they are reporting on my account has been inaccurately reported and needed to be corrected they today XX/XX/22 they have yet to get back to me with a response or result I wish to have the items removed from my credit report for they have been a burden on my financial health.

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 2021-09-06
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: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

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 2018-11-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I got a mortgage loan with Chase Bank. Although Chase Bank continues to service my loan, my loan was sold to XXXX XXXX. The customer should be notified when a loan is sold. A loan ownership transfer notice should be sent to the customer. I never received any notification from Chase Bank or XXXX XXXX. The Attorney Generals Office stated that I should have received notification. Chase Banks response was they are not required to provide notification for a change or an assignment of a loan investor. There is a law about this and Chase Bank and XXXX XXXX either do not follow that law or are unaware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I filed bankruptcy in XXXX XXXX  XXXX and put this car on it. During my bankruptcy Ive paid off the car within the bankruptcy. The final dispersement payment was on XX/XX/XXXX for {$110.00}. They said the only payments they have received were that 1 and 2 more leaving my balance at XXXX XXXX and some change. I have court documents of like 20-30 checks dispersed to the company. They told me they gotten only 2 checks. I have court documents that say they received all payments for the car and there is nothing left in my bankruptcy trustee account because they've gotten the money. All I want is for the information to be corrected on my credit report before I have to call my lawyers back up. The company is known for crooked tactics by the XXXX they have like a 2 star rating for good business. They told me the car is up for repossession and it's paid off which is the craziest thing Ive heard iny life.

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 2023-01-24
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$850.00} XXXX 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 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 2019-02-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ON THE XX/XX/2019 AMERICAN EXPRESS ONCE AGAIN CUNDUCTED WHAT IS KNOWN AS A BLOCK PARTY CALLING RELITIVES NIEGHBORS AND WHO ELSE KNOWS. MR XXXX XXXX EVEN TOLD ONE THAT HE WAS GOING TO CALL PAST EMPLOYERS AND TELL THEM IM A DEAD BEAT. I HAVE PERSONALY INFORMED HIM NOT TO CONTACT THIRD PARTY PERSON ( S )  RELATED TO ME NOR MY ACCOUNT. 
I HEARBY DEMAND THAT YOU CEASE AND DISIST ALL FUTURE CALLS AND TO UPDATE YOUR FILES TO INDICATE SUCH. BEING THAT YOUR EMPLOYEE HAS USED TATICS AND THREATS I REQUEST YOU CEASE AND DESIST UPON RECIEPT OF THIS NOTICE. 
I REQUEST THE COMPANY GIVE ME 30 DAYS TO CONSULT WITH AN ATTORNEY FOR LEGAL ADVISE INTO THIS MATTER BEFORE THEY MAY CONTACT ME VIA MAIL OR THE NUMBER THEY HAVE FOR ME ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged {$70.00} in advance for the year XXXX for use of a Safety deposit box. I closed my box on XX/XX/XXXX. The bank refuses to refund me. Their explanation is that I was sent a letter about the charge. The charge is for a service I am not using. I am attaching a letter documenting that the charge is debited in advance from my account for the year XXXX. The bank is not disputing that my box is closed. Their explanation simply is that that I was sent the letter so they are not going to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
According to 15 USC 1681. 
I DEMAND THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT THE INFORMATION LAST PAYMENT DATE IS DIFFERENT ON EACH CREDIT REPORT ( XXXX ) ( TRANSUNION ) ( XXXX ) BY LAW ALL INFORMATION HAS TO BE 100 % ACCURATE 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 2023-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-02
Company: EQUIFAX, INC.
State: SC
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:
I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX of XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX XXXX  rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this XXXX XXXX

Company response to consumer: Closed with explanation