BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NY
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:
the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : xxxxx account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I involved in a traffic accident on XX/XX/XXXX XXXX. While I was continue to pay the installments of the car, lender suspended my account and started to add amount to my loan every month. I tried to reach and learn about my account status many times but it is impossible to take a response about my loan. They dont provide interpreter and dont ssnd the information written. They hang up the phone while waiting for the rsponse. I sent them message via app, they never give a respond. The insurance company will pay the car and they give an incredible pay off amount to the insurance company which left me with a huge debt. My debt on XX/XX/XXXX was {$16000.00} My debt on the app now XX/XX/XXXX. {$19000.00} They give pay off amount 45 days ago {$35000.00}

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 2022-07-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My card was hacked and someone made a XXXX XXXX account in my name and attached to he card to the fake XXXX XXXX  account and withdrew {$2500.00}. Because of this situation I can not afford to pay my rent last month and have been issued an eviction notice I believe my right a for my money to be protected by insurance up the amount of {$250000.00}. I was told that because I had other XXXX XXXX transactions I had to dispute the transaction with XXXX XXXX But this was not a transaction I made. Someone used my name to create a different account and attached my card to that account and took {$2500.00}. My bank hasnt investigated this thoroughly and has not given me a provisional credit within 10 business days.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
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:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : 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 2022-07-23
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOV ASSOC is a Debt Collector who has reported a debt of {$1600.00} that I do not owe to the Credit Bureaus. The original Creditor is XXXX XXXX XXXX  XXXX XXXX. Thi9s creditor has never contacted me. 
I have contacted this collector several times to validate the Debt and send me documentation to prove that I owe the debt. This collection agency just sends a bill without any documentation that I owe the debt. They only say '' we have investigated, and the debt is valid without providing any documentation. This debt is not my debt and may be because of identity theft. 
Their address is : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Phone # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Re : Chase XXXX visa. On XX/XX/XXXX should have received 15 night elite credits per visa benefit but did not due to an undisclosed change in visa program. 
Chase, via email, advertised an upgraded visa and did not disclose all changes. 
I contacted them and they refused to credit my 15 nights even though I paid my fee. They said they changed the timing to first quarter of following year XXXX. In doing so, they denied me my benefit for XXXX. 

This loss has ramifications with my status and benefits at XXXX. 

False and misleading advertising by email that was unsolicited. 

There are also discriminatory practices as anyone with an annual visa date prior to upgrade received their 15 nights for XXXX while others were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CAINE & WEINER COMPANY, INC.
State: IN
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 calls to believe the information is inaccurate.

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions Account name : Caine and Wiener Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I requested a withdrawal from XXXX XXXX to my checking account at CHASE. During the time it was pending, my phone and account had been stolen and hacked/compromised, and the next morning while the funds were at the time still pending. Chase urged me to close the account and open a new one. I did. They said the deposit would be kicked back to XXXX XXXX and Id have to request it again. XXXX XXXX informs me they never received the funds. A week or so of being given the run around and then I see ( where there wasnt before ) XXXX XXXX payments initiated from my account remotely to someone in California all in small increments, between the hours of XXXX XXXX and XXXX XXXX. Chase has refused to reimburse me the funds lost from this account. There are more details that i will go over when needed. They also due to this froze my account and then closed it. I will mention that while I was trying to get the funds returned, AFTER already losing the funds, they had me replace my router, my bank account, my phone, and my XXXX ID and password and they kept saying they would refund me once I did. So I did. And then They didnt. They also asked for and were furnished proof from XXXX showing that my phone had been stolen and compromised. They asked for this XXXX times each time saying they didnt know where it was. They would laugh. And hang up on me as I called everyday for XXXX months. At this point. I am exhausted. Im defeated. XXXX giant corporations, lost {$700.00} of mine, and they act like it was some life changing fortune im trying to get. Or they act like Im trying to get over on them. I just want whats mine, nothing more. Nothing less. {$710.00} was the total of the deposit and roughly XXXX I believe never made it to my hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XX/XX/2022 I requested an installment loan from Lendumo. Over the phone a loan agent, seemingly trying to move through the process quickly told me the loan would be funded the next business day. He took my banking information and personal details over the phone. On the next business day I didn't see the funds and called to find out what the issue was. 

The new agent told me the bank account on file was incorrect ( there was one full digit in there that was off ). This was surprising to me as the agent on the phone from XX/XX/XXXX hadn't bothered to confirm or repeat the banking account number to me. Since I was reading off of my online account, I'm sure I told him the correct numbers but he entered one extra digit. 

I was told that Lendumo would reach out to my bank to have the funds sent back to them, at which point I could update my banking information and received the funds. 

I checked back frequently and was told I'd have to wait until they were able to complete their investigation. After a few days of no communication I called and was told they couldn't get anything done because they weren't able to find my bank 's fax number. I googled it ( using the internet ) and sent it to them immediately. After a few more days of no communication I contacted them again and was told that the investigation was being investigated by their QA team and would take some more time. 

On XX/XX/XXXX I received another message asking me for a bank statement as proof that I had not received the funds. I had sent my bank statement to them already on XX/XX/XXXX as requested but for some reason they needed to see it again, not sure why. 

Later on XX/XX/XXXX I received this message from Lendumo : " This email is being provided as a service through our recent discussions about your account. Unfortunately, the retrieval of the missing funds has been unsuccessful. A submission for call review of the Verification call on XX/XX/2022 was submitted to our Quality Assurance Team. Upon further review of that call, our Quality Assurance Team confirmed that the bank account that is on file is the same bank account number that was verified by XXXX XXXX. Unfortunately, at this time we will need you to provide an official bank statement ( not a screenshot ) from your bank from the dates of XX/XX/2022 to current. Until we receive this information we are unable to transfer your loan to the correct department. Please contact us once you are able to provide us with the requested documentation, so we may further assist you. '' It's never a good idea to take out an expensive installment loan but I was in desperate need and now because I didn't receive any funds the situation is even worse and I'm being told I'll be responsible for the loan I never received. Ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Have a few inquiries on my transunion report that doesnt belong to me. I asked transunion to delete them but still on my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2021-12-15
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:
My credit report on Experian is incorrect and showing information that is not mine and I just want to apply for a credit card to start building a score.

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 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im unable to get my updated credit score from Equifax using XXXX XXXX or Equifax.com, I called and they said theyre working on it .. Equifax says Please give us a call and give this code to the Agent : XXXX Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX XXXX ). 
I called. Agent said theyre working on it.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: VA
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 some of the information on my credit report was incorrect when I reviewed it. 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AL XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is kind of a two part problem with BOTH XXXX and CashApp. What happened was is that I attempted to purchase football tickets through an individual online, I know huge mistake. I was scammed. They requested {$120.00} ( XXXX XXXX XXXX ) through CashApp. I sent it and the person claimed they never got it. So we attempted XXXX, in the promise that they will return the original {$120.00} IF they receive it. So I sent {$40.00} ( XXXX XXXX XXXX ) on XXXX and another {$110.00} ( XXXX XXXX XXXX   ) through another bank that I have. Same thing. They claimed they never got it. Thats when it started to click that I was being scammed. After I refused to send anymore money, they blocked me. I have no way of contacting this individual. I have attempted every possible route to recover my money. XXXX and CashApp wont help me. My banks wont help. My XXXX XXXX XXXX claims department recommended me to go through this route. Is there anything you guys can do for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC makes it next to impossible to link your checking account with any sort of banking app. Anything from pay day loans to XXXX XXXX. After years of service, I will be switching my account to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: GOLDMAN SACHS BANK USA
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a Goldman Sachs Apple Card in XXXX. At that time, and all times since, I have lived at the same address in XXXX. I provided Goldman Sachs this billing address, and their database identifies my correct billing address. Despite this fact, Goldman Sachs authorized XXXX of transactions pushed from XXXX App Store using a XXXX billing address based in Washington , DC. As a result, I have been charged sales taxes that were not wed because Goldman Sachs authorized charges to a billing address that has never been associated with the card. 

XXXX says they can do nothing. Goldman says that XXXX should do something. I think it is on Goldman for authorizing transactions from its close business ally with a clearly erroneous billing address. 

Additionally, my terms and conditions with Goldman states that I can contact them via XXXX  messages. This used to be true. It is no longer true. I was forced to make a call, and then have XXXX transfers to get to an Apple Card XXXX. According to the terms and conditions, this non-written complaint via telephone is not binding on Goldman. Unfair and deceptive in my estimation.

Company response to consumer: Closed with explanation