BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-01-31
Company: JPMORGAN CHASE & CO.
State: WI
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 client, XXXX XXXX is a victim of identity theft. He was notified by your Chase bank of a fraudulent application submitted with his information without his consent for a Chase/XXXX account. An inquiry was made into his XXXX and XXXX credit report ( s ) XX/XX/2018 related to that application. An official dispute of this was mailed to Chase/XXXX   XX/XX/2018 ; as of this date Chase/XXXX  has not provided an update to the investigation of this issue which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: UMB FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
regarding our XXXX XXXX card, they asked for reimbursement information to ensure that the purchases met the IRS guidelinses for purchases. First, we wouldn't have been able to use the card at those locations because the BIN is only able to be used for approved medical costs, " Qualified Purchases ''. One of our Qualified Purchases is for an online medical visit, and the other is for a dental procedure. These should be obvious Qualified Purchases, without asking for receipts. Asking for receipts in these cases, where the spend and use should be brazenly obvious, is burdensome to the customer, and merely used as a method to withhold funds from being used by the customer. XXXX cards are funded by us, and ultimately we have the tax liability. So I'm really unsure why XXXX, UMB is giving us such a hard time. Perhaps they get some of the unused funds if they aren't used within the qualified timeframe? 
Notwithstanding the burdensome and deceptive practices, we provided the requested information to XXXX, which appears to have XXXX XXXX involved, and the XXXX card is issued by UMB Bank. 
After providing the information, we were met with a letter saying that our card has been suspended, and that we are no longer able to use it. Withholding funds means we can't pay our medical bills, and that subjects us to our credit being destroyed due to late and unpaid charges. We shouldn't have to chose between paying our medical bills and putting food on the table, when we have money in our XXXX, but it's being held captive unfairly by UMB and XXXX. 
Further, when we tried to call in to their customer service, there is no availability to access any customer service agent at all. We are only able to " speak '' to an electronic service that will provide us claims dates and information. Completely unhelpful. Not everyone has easy access to a computer, and this is a discriminatory practice. 
It has valuable funds, funded by our own dollars, and severely needed to pay for medical costs. XXXX and UMB should be ashamed of themselves for this kind of customer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CA
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. 

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 XXXXXXXX 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 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the Equifax data breach therefore my private information is vulnerable to malicious individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}

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 2023-01-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/ 2022 my business account had unauthorized and several roughly XXXX was taken out my account from several merchants.. attached is proof from XXXX XXXX database I don't have an account. so all charges should be disputed and a refund should be issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have asked for the permissible permission used by Experian and XXXX XXXX XXXX XXXX to access my credit report in XX/XX/2017. I have not received and they do not give me any information.

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 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}.

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 non-monetary relief
Consumer complaint received 2023-07-26
Company: GOLDMAN SACHS BANK USA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a Dispute with Apple multiple times for might return flight to the U.S. from XXXX XXXX. 

The flight changes involved my first flight from XXXX to XXXX, which was originally scheduled for XXXX XXXX, and my second flight from XXXX to XXXX XXXX, initially scheduled for XXXX XXXX to XXXX XXXX. These changes created a significant conflict for me. When I reached out to XXXX XXXX employees at the airport, they informed me that I could cancel my flight by calling a specific number. 

However, when I called the number provided, I didn't receive a confirmation, but the representative assured me that I would receive a refund within 5 days. It's important to note that I made this call on the same day as my scheduled flight. 

This situation not only affected me but also impacted several other passengers. I spoke to 10 other individuals who were suffering from the same last-minute flight changes. Unfortunately, this is not the first time XXXX XXXX has made such changes, and it reflects poorly on their service. 

I also shared these screenshots with two members from Apple, as I sought assistance with the matter. This issue is of utmost seriousness, and I am deeply disappointed that the matter hasn't been thoroughly investigated despite the obvious evidence. 

During my last dispute with Apple, I informed them that I had spoken with the airline, XXXX, regarding the issue. The airline had taken my bank information, promising to process a refund. However, despite their assurance, I never received the refund from XXXX. 

In an effort to resolve this matter, I provided Apple with all the necessary information and screenshots of my conflicted flights. However, despite having this gathered evidence, Apple has said once again that I will be paying the mount of {$200.00} This is the information from my Dispute with Apple Credit Card. 
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2022 Merchant name : XXXX Disputed amount : {$200.00} Temporary credit : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

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 XXXXXXXX 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.

with this violation occuring It has created hardship with me being able to utillize my credit report to get approved for housing, I havent been able to get the best rates on auto loan to purchase a car causing issues with finding jobs in my area that require traveling. Im not able to apply for major credit cards to start funding a business this has me in a financial hold. Not being able to apply for personal loans to help pay bills such as medical, rent, utilities.

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 2023-05-15
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 2022-03-29
Company: Maximus Education, LLC dba Aidvantage
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an outstanding an student loan with Aidvantage. A small portion of this loan is unsubsidized. During the period of time in which interest/req 'd payments have been frozen I've been doing my best to pay down the principal on the unsubsidized portion of my loan. 

From XXXX - XX/XX/XXXX I've steadily and deliberately applied payment to the unsubsidized portion of my loan. During this time I saw the principal amount reduced as expected. During this time I used their 'Specify for each loan'-payment wizard and it followed my payment instructions as entered. 

On XX/XX/XXXX, when attempting to make payment as I had before -- instructing to pay only the smaller of the 2 balances ( my unsubsidized loan ), my payment instructions were modified without my consent. Payment was instead directed toward the unsubsidized portion of my loan. This portion has a significantly higher balance and will take more time to pay off. Any attempts to rectify this nonconsensual payment modification on Aidvantage 's part have hit a brick wall. Their 'specify for each loan'-wizard modifies my payment every time even though I'm attempting to pay down the smaller of my 2 outstanding balances. 

It appears Aidvantage has levied a 'ghost'-minimum payment threshhold that must be met prior to paying specifying principal paydowns which seems to be at odds with what the federal government has mandated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: MS
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:
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 Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 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 2023-05-15
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: Information belongs to someone else

Complaint:
This complaint shall be considered a follow-up to my previous complaint which contains some disputed items which I believe to be fraudulent and erroneous I want the disputed items to be removed from my file for they do not belong there Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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