BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2023-08-23
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX 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 2023-05-28
Company: EQUIFAX, INC.
State: MS
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:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed accounts need to be removed XXXX XXXXXXXX XXXX  XXXX closed on XX/XX/XXXX XXXX  XXXX  closed account remove account XXXX closed accounts XXXXXXXX XXXX XXXX XXXX  ( it was removed from equifax i need it removed from XXXX and XXXX asap ) XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove all inquiries i didnt authorize none of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, XXXX XXXX filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against XXXX XXXX, and Dunlap Gardiner, LLP ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that XXXX XXXX had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for XXXX years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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 2023-01-24
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Stellantis Financial Services US Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a XXXX XXXX XXXX  and it was financed for 60 months is what I thought in the beginning but I am being told XXXX payments. I have had this vehicle since XX/XX/XXXX and I traded in another vehicle as a down payment for this one. Well my loan was suppose to be paid off back in XX/XX/XXXX of this year but XXXX Investors extended my loan saying due to I had XXXX payments deferred which totaled XXXX and that they would be put on the back of my loan to extend it to get those XXXX payments. After that deferment I have made every payment after that. As of this email I am due for my XXXX. First investors never explained to me the interest on the deferred payments and I asked what would happen to those payments and they said they would be put to the end of my loan so now they are saying I owe XXXX and I asked them if they would be willing to take the amount of the deferred payment and they said no they would need XXXX and would put my account as paid for less than owed or something like this. Then I get a email stating I only made XXXX payment, how is that when I only deferred XXXX payments. I believe this company is doing something fraudulent because theres no way I only made XXXX payments since I had this truck. Its going on XXXX  years where as if my contract was suppose to be paid in full in XXXX of XXXX. Have you ever heard of someone paying on a vehicle for XXXX  years?? Please investigate them and their practices because its not adding up for me. I admit I have had a few hiccups but since my deferred payments when they were late I would get caught up and pay extra on my account. So something isnt adding up

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 2018-09-11
Company: KEYCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Key Bank Rewards program is misleading by saying they are giving you XXXX points per XXXX spent. When you go to redeem you can only get {$1.00} for every XXXX points so in effect it is only XXXX point per {$1.00} spent. 
I have XXXX points with Key Bank. They say that is worth {$110.00}. 
Last year I had XXXX point with XXXX. They gave me {$500.00}. 
Key Bank is using rewards points terminology that all other credit card companies use but all other companies actually give you what they say they will. 
Key Bank is being misleading and dishonest with their rewards points advertising. 
I have spent too much time looking through Key Bank info for anything that says what the true point value is. It is not until you go to redeem that you find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I withdrew money from the bank ATM and the ATM dispensed a damaged {$20.00} bill. I took the bill and went to a banker to have the bill exchanged. The banker, XXXX XXXX, gave me a hard time with exchanging the bill by failing to document the bill exchange within the bank database. Her supervisor, XXXX XXXX came and XXXX XXXX XXXX for requesting proof of the exchange. She threatened me to leave the branch or else Later I received a letter that all my accounts would be closed as of XXXX at the banks discretion. The branch XXXX used XXXX on me during our interaction on XXXX and XXXX XXXX XXXX  without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: IN
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I made and mobile deposit of XXXX checks insurance checks with amounts of {$3100.00} ; {$180.00} ; {$710.00} ; {$2000.00}. I was alert during the deposit that there would be hold on {$1000.00}. I was told that other funds would be available immediately. Within the next few hours, my bank card was deactivated and I was all funds were unavailable to me. I contacted the USAA Bank however I was placed on hold for over an hour then hung up the phone. I called back then they were closed. Due to time, I had to wait until the morning to contact the USAA bank to find out the reason. I spoke with a XXXX which had me on the phone for over an hour to verify all the checks. The XXXX stated to me that she was placing a note in account what she had done so that I would not have anymore issues. We completed the call and with the hour I received alerts that my XXXX XXXX was disconnected for my account and I need to contact the bank. I contacted the bank for the third time was told I needed to talk to the fraud department. I waiting XXXX hours on the online for someone named XXXX to ask me the same questions I was asked before. XXXX also ask me aggressively why I had the checks, and what did I do for a living. I asked him wasnt this all documented in the system and I was yes and that he read the notes and he took the hold off and all the issues. He then stated that if I had any issues to that it would go straight to that department to clear it up. Later on in the day, the issue was still not resolved, I contacted the again on XXXX evening and spoke to a XXXX that stated that she saw all the approval of hold off the account but she did not see the date. She then when me to another XXXX named XXXX that stated that he did not see any communications at all within system with anyone throughout the day with any time that I call and that he placing hold on my fund until XX/XX/XXXX. I was not provided any documentation as this effect nor reason. On XX/XX/XXXX, I received an email stated that funds of {$1000.00} were available to me as it stated before when I originally made mobile. deposit. However, those funds have been held as well.

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: 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX I had several inquiries on my credit report that does not belong there. I have no idea where they come from or who they belong to who do not belong to me. I have tried several times to negotiate and talk to a representative displaying I have nothing to do with these Accounts are in accurate information reporting on my credit report accounts as following listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604 A. 2 : its also states, a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information, or the records of conviction 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 relating agency if the person knows or has reasonable calls to believe that the information is an accurate The credit bureau keeps disrespecting the law.

Ive shown them multiple times of how they are violating 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 2022-10-01
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: 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These above accounts have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-08-23
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00}

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 2021-06-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made several large purchases on my Chase Sapphire Reserve credit card when I moved across the country earlier this year, intending to use the My Chase Plan feature to pay some of the large purchases off over the course of a few months while saving on Interest, as their website advertises. However, the payments I made towards my credit card did not reduce my principal in the way that I had expected it to based on the advertising and disclosures provided by the bank. My understanding was that any payment made to my account beyond the minimum payment due ( which included my normal minimum payment amount, a portion of the purchase covered by the My Chase Plan payment feature, and a fee for using My Chase Plan ) would go towards the balance on my account which would be subject to interest at the time of my next billing cycle. 

My XX/XX/2021 statement showed a total statement balance of {$5300.00}, of which {$2200.00} was subject to a 3 month My Chase Plan and {$6.00} was the fee for using that feature. This left me with a minimum payment of {$800.00} and my expectation was that {$1500.00}, or 67 % of the balance subject to the My Chase Plan, would be exempt from interest the following statement cycle. Based on this understanding, I made payments to my account during the month of XXXX totalling {$3800.00}, leaving a remaining balance of {$1500.00}. However, my XX/XX/2021 statement showed {$38.00} in interest charged, significantly more than I would have believed based on the terms of the My Chase Plan. A later plan that I set up in XXXX for a 6 month repayment of a purchase totaling {$1800.00} is showing as paid off as of my XX/XX/2021 statement, despite also being charged {$65.00} in interest for the period. 

I believe the terms of the feature on this account were not clearly explained in any disclosures provided and could easily be misinterpreted by customers and is likely to lead to harm to customers with that harm outweighing the benefits of the product, and advertisements for the product do not offer clear and conspicuous terms, resulting in potential violations of UDAAP, TILA advertising, and TILA payment processing requirements. I believe I have been improperly charged interest totalling {$130.00} and fees totalling {$24.00} for an account feature that did not have the expected or advertised benefits to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Bread Financial Holdings, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief