BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted XXXX XXXX about five months ago to complain about the fact that when they charged my account for a monthly minimum fee, separate from their high interest, separate from initial annual fee and application fee, etc., so as I protested the minimum fee even with a balance, paid-as-agreed history, never late, that this fee, usurious in my opinion, over-drew my line, thus resulting in a negative credit reporting trade line, which dropped my score 30 points. I told them to reverse the fee and report paid as agreed on my account. 

Then I called back again to inquire about my account status, around XX/XX/2019 the phone representative said she couldnt find the account, then transferred me to another department, then transferred again, with quite a wait on line. Once a representative came on line, XXXX, informed me account was closed due to fraud/suspicious activity. 

I was shocked because XXXX XXXX, 1. Never informed me my card was cancelled due to fraud 2. Never contacted me to inquiry about my account activity 3. Never asked about any transactions that may not be mine 4. Never informed me that the account was closed 5. Never informed me I had no open-to-buy 6. Never sent me an  affidavit to sign Then the customer service representative said I was to make a payment to keep the account from going delinquent, which I did and she took that over the phone, and said she was sending me a new account, with a new number ; to date, 1. Never received a card replacement 2. Never received a statement w/balance transfer 3. Never was asked to cut up/return or destroy my original plastic 4. Never received any correspondence summarizing their promises 5. Never received a physical statement showing my payment received and new balance, and what is in the  balance. 

TO DATE, I HAVE NO IDEA WHAT IS HAPPENING TO MY ACCOUNT, WHAT I OWE, PAYMENT REQUIRED, CREDIT LINE STATUS, CREDIT REPORTING STATUS. 

I have come to believe, they retaliated against my account for complaining about the initial over-limit status due to the monthly service fee.

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 2023-05-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
While an insurance claim on XX/XX/XXXX was being processed I continued to make loan payments to keep my account from being delinquent. After the insurance companies made their over $ 60k of payments to CHASE the account was paid in full and ended up overpaid because of my continued payments during the process. Over a month I contacted CHASE for a status on my overpayment refund as the loan was paid in full. They gave me some excuses and refuse to refund me my money at all stating that they needed more paperwork from the GAP insurance company, even though the loan was already fully and totally paid off. I was never informed of this ask from them until I called. I contacted the GAP company and they were not responsive with what CHASE wanted but they already paid. After contacting CHASE again on XX/XX/XXXX I was promised a callback from a supervisor because the agent I spoke with could not understand why my refund was not processed either. I never received assistance or callback. CHASE still refuses to issue me my refund for my over payment and XX/XX/XXXX said they will keep my money unless the GAP insurance gives them more paperwork. 
CHASE received the full loan repayment. They have their money. I just want mine. They refuse to offer to pay me interest on my funds that they are holding, they refuse to explain what that paperwork has to do with my overpayment of the amount owed, and are holding my money XXXX for something between them and the insurance company thats out of my control. CHASE was fully paid months ago! They will not explain the reason they want that paperwork, only that they are requiring it, and on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX at CHASE XXXX did not want to deal with my problem and even refused to answer my basic account questions such as what my original loan amount was, the balance, and she treated me very unfairly because I simply wanted a clear and full explanation of the problem. I am truly shocked by my treatment by her. Basically at this point there I was told by XXXX at CHASE there is no way for me to ever get my money returned from CHASE unless the GAP insurance company decides to give CHASE the papers they want. Getting the $ wasn't good enough for CHASE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: ONLINE Information Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
All of the disputes that were disputed on XX/XX/XXXX still remain. The credit bureau agencies have 30 days to respond and theyre 5 days over. Please correct the items that were disputed on XX/XX/XXXX and remove. thanks XXXX XXXX federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i submitted all identity theft information more than once. My next step is to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

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 2023-02-22
Company: LFG Data Services Holdings, LP
State: CA
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:
. VERISK/LCI CONSUMER you are the furniture of the public record so you are to comply with Section 623 of the Fair Credit Reporting Act because the U.S. Bankruptcy Court is not the furniture of this information, The Court did not furniture this public record to my consumer file, LCI purchased that information then put it on my consumer report through their Affiliates. So the DUTY of the furniture of information is to provide accurate information. Accurate means accurate, complete and verifiable. Prohibition reporting information with the actual knowledge of error. Since Verisk/LCI is the furniture LCI shall not report to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Reporting information after NOTICE and confirmation of ERROR, LCI shall not furnish information related to a consumer to any CRA or TRANSUNION if LCI has been notified by the consumer that they are specified about such notices which is LCI address for disputes of that specific information which I was very specific of the inaccurate information and in fact the information is inaccurate, incomplete and unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
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 am an elderly, XXXX female and I signed up for a COVID19 related program with Bank of America. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX and TransUnion credit 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

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 2023-06-16
Company: CarMax, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX CarMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Carmax & account # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I havo the 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.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 have contacted XXXX, XXXX and Transunion to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors. 



I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form. 
2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt.

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide the license to collect and report in my state and registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There was a fraudulent account opened in my name at XXXX XXXX. This was discovered through my bank letting me know my credit line had been decreased from XXXX to XXXX due to a passed due bill that was paid off right away and my credit score. The person who stole my info opened an account last year, charged about XXXX to it and obviously never paid it back. This was reported on my credit score and disputed with the company I did my credit score through. I have been trying to get in touch with XXXX XXXX  to file a dispute. I have called several times each time waiting on hold for more than an hour at a time. The very little human interaction I have had has been transferring me about with no help towards my issue. The first time I called and sat on hold for almost XXXX hours and then was hung up on my someone and not contacted back thus having to start the process all over again. This is insanely frustrating and causing a large issue. Please help

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 2021-03-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: GOLDMAN SACHS BANK USA
State: UT
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:
Goldman Sachs apple credit card - I called GS Apple Credit card rep and was advised a XXXX  was placed on my account. I have not filed XXXX  this can be verified by my social security they have made an error on their end and I am unable to use my card. I want them to resolve and apologize as I am unable to use my card. I payoff my balances and keep my cards in good standing. I have my credit score at XXXX and I have never filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent Experian multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.

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 2023-10-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to a supermarket on Saturday XX/XX/XXXX. XXXX XXXX I swiped my card twice and inputted my pin. My bank declined it twice. I called my bank and when I called my mobile app showed I was charged although both transactions were declined. I was not allow to leave the supermarket with my groceries. I submitted a dispute and CITI Bank refused to give me my money back. I submitted another dispute on XX/XX/XXXX, sent a receipt showing the amount and that I was never charged. Furthermore the Supermarket sent me an email explaining that the charge never went through. They sent me the error messages their bank received. Citi bank has refused to work with me, they have refused to speak to me. Managers continue to hang up the phone. The supermarket never received my payment but Citi bank too my money. Furthermore the day in question Citi bank admitted that they were having technical issues and continue to refuse to give me my money back.

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 monetary relief