BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/XXXX I was XXXX  XXXXXXXX XXXX I locked my card from chase bank and went to bed woke up the XXXX XXXX was missing I called the claims line and she doesnt know where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: ID
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:
Experian Company credit reporting has locked my personal profile. I am unable to change my password, pin, and other security information. 

This information along with my SSN was requested by Experian Company specialist agents each time I contacted the company regarding my concerns how they are displaying my credit report.

Experian Company credit reporting website informs my information has been found over 10 times.

I considered Experian Company credit reporting has exposed my information to fraudulent activities. Experian Company credit reporting website informs I must upgrade to their premium package if I want my information protected.

Experian Company credit reporting website informs that ID monitoring from their company 's plan is needed for my account because it is unprotected on their website. If I want protection for my information, I must upgrade to their premium or other offered packages, but protections are not available in the free package. 

Therefore, it is important to have access to change my password, pin, and security information on Experian Company crediting reporting website. But I am unable to complete the process because Experian Company has disabled my ability to make changes to my personal profile on their website.

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 2021-06-29
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was initially filed a complaint in XX/XX/2021, Credit Acceptance responded that my balance was accurate. I have been paying {$200.00} every 2 weeks my remaining balance is {$130.00}, when I made this agreement Credit Acceptance stated they would stop collection which they have not, I never ask to be put on COVID-19 protection because I was paying {$200.00} every 2 weeks. Every month Credit Acceptance reports to the credit bureaus this is not right because I kept my promise to pay bi-weekly. The reporting is also not correct it shows a balance of over {$2000.00} which is not correct I'm attaching my payment ledger, also the last report stated Credit Acceptance sole my account to someone and they are putting in the reports monthly again which is not correct, I have and continue to communicate with Credit Acceptance.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Explain this XXXX XXXX XXXX  XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX. 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/XXXX   XXXX XXXX XXXX  XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX  XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX XXXX Projected completion date : XX/XX/XXXX  XXXX XXXX XXXX  XXXX .... Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX .... Projected completion date : XX/XX/ XXXX XXXX XXXX XXXX .... 
Projected completion date : XX/XX/XXXX  Do your job you tried to shove this up your XXXX But you need to finish the job on these XXXX  dispute you disgusting piece of how you sleep at night I cant cant sleep because of this XXXX  that have XXXX me the XXXX off Experian refused to remove or comply or follow rules regarding filing a dispute because Im XXXX is discrimination based off my gender is discrimination. What white woman filed to have her student loans removed and they was removed This is an ongoing issue, and somebody need to pay This is the only information I have regarding the prior dispute the law dont require me to keep on Filing disputes on the same credit issue but the law requires Experian to do there XXXX job with out being XXXX or targeting certain minorities, based off their race and gender The CFBP needs to investigate this company. Im going to make sure that this issue was escalated. Im gon na make sure that somebody is fired and unable to hold another position in the credit bureau companies.

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 2023-12-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
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:
All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: PA
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:
Compliant XXXX, I am awaiting the credit agency 's Experian response regarding my dispute dated XX/XX/XXXX as well as a response to their letter on XX/XX/XXXX, which is against my consumer rights and federal law. The agency has 30 days to complete its investigation of a dispute and provide the information requested by the consumer. I being the consumer have not received any of the information requested from Experian regarding my complaint on XX/XX/XXXX. The agency failed to maintain reasonable procedure, failed to ensure maximum accuracy, and committed fraudulent activities with my personal information. It has been well over the given timeframe of 30 days, the agency is violating my rights and the law.

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 2023-12-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$990.00} to a family member since XX/XX/2023, money never deposited to the account. I contacted moneygram around XXXX, I received all kinds of reason/excuse ( because some does not make any sense ) why family member did receive the money, when contacted them by phone. 

I did, at least XXXX time, send a written message requesting a refund, still I am not getting any clear answer from company nor getting my money back it has been almost 3 months. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Monday XXXX XXXX XXXX I received a call from a process server ( XXXX ) telling me to call XXXX and that my case number is XXXX. I did call the number because they called my children which scared them. A woman named XXXX XXXX who claimed to be from XXXX XXXX XXXX firm stated that I am being sued for an outstanding debt from XXXX of {$8000.00} from HSBC Bank , card number XXXX. I told her I have no recollection of this debt and have never recieved any letter stating otherwise. XXXX then had me verify my name and social security number. XXXX also stated that if I do not handle this matter by Thursday XXXX XXXX XXXX then the law firm will file a lawsuit against me for breech of contract and fraud. XXXX of my children then XXXX the number and the results popped up as a scammer and suggested I fill a complaint with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EXPERIAN HAS VIOLATED MY RIGHTS : 1. ) 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

2. ) 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

3. ) 15 USC 1666B : STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

AS YOU CAN SEE IN YOUR SYSTEM, AND EXPERIAN CAN SEE IN THEIR SYSTEM, NO ONE VERIFIED THE ACCURACY OF THIS INFORMATION. 

IT HAS BEEN 14 MONTHS AND EXPERIAN HAS NOT VERIFIED OR SUBMITTED ANY SUPPORTING DOCUMENTS.

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 2022-02-12
Company: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Venmo denied my request for the unauthorized access. I'm requesting to review the materials they used to determine the case. It's been over a month since my request and they still haven't provided me any materials. 

My account number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MI
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. 

XXXX, XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, and 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 an 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 items of information, other than convictions of crimes which antedates the report by 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.

These inaccuracies are damaging to my reputation. Making it impossible to obtain a home, vehicle, credit, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2017, approximately every two weeks, I receive a call on my land line ( XXXX ) from XXXX ( caller ID shows " XXXX NH '' or " XXXX ). When a live person is on the line, they ask to speak with XXXX XXXX ; and, when a robo call, the message says Press 1 if you are XXXX XXXX, Press 2 if you are not XXXX XXXX. I have had this land line # since XX/XX/2017. 

After a bit of research, I found that my XXXX # used to belong to XXXX XXXX 's father, XXXX XXXX. The XXXX family used to reside in XXXX NH, just down the road from where I reside. I have told the caller from XXXX on numerous occasions that XXXX XXXX is no longer at this number and that the number had been reassigned to me by XXXX XXXX. I have also requested that the calls cease but they continue to this day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX Physical residence : XXXX XXXX XXXX, XXXX XXXX  NH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 I opened a Navy Federal Credit Union XXXX XXXX XXXX account. 

XX/XX/2020 XXXX XXXX placed multiple restrictions on my account. I tried to close my account & have a check sent to the address on file & NFCU denied this request. Stating that they are unable to close my account, due to security restrictions. So while they can freeze my account, I would appreciate it if they either unlocked my accounts, or just close them & send me the funds. Id prefer to just have my account unlocked though, so I can keep my NFCU account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Maximus Education, LLC dba Aidvantage
State: MA
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 updated my account info with AidVantage, my loan servicer, on XXXX and tried to make a {$400.00} payment which was reversed same day. I made a {$490.00} payment on XX/XX/XXXX, also reversed. I tried again with a {$490.00} payment on XX/XX/XXXX which reversed. The reasoning for each reversal has been that they could not identify a bank account using my account and routing number. When I called, the supervisors recommendation was to re-enter my bank account. Before then, the representative was encouraging me to make a payment via credit or debit card, which I refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
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 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 2022-02-12
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX I received via USPS two ( 2 ) packages of checks from TD Bank which I did not apply for. They had different account numbers. 
I contacted TD Bank, spoke with XXXX and reported the problem. XXXX directed me to TD Banks Fraud Line. I am awaiting a call from them. I contacted XXXX to report the fraud. They took report and explained they would contact XXXX and XXXX. As well they placed a Fraud Alert on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, 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:
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 
<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

<br> COLLECTIONS <br> 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account. 
<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I hope this letter finds you well. I am writing to dispute and request the immediate removal of an inaccurate credit account from my TransUnion credit report. The account in question is related to a XXXX XXXX card service and has been inaccurately reported for the past seven years. This erroneous information has greatly tarnished my creditworthiness and compromised my financial stability. 

I have taken proactive measures to address this issue with other reporting agencies, whereby the disputed account has been duly removed upon proper verification and investigation. However, it appears that TransUnion has failed to acknowledge this resolution, thereby placing an unnecessary burden on me without sufficient cause or justification. 

The discrepancies within my credit file are not only damaging but also constitute violations under several provisions of the Fair Credit Reporting Act ( FCRA ). As per my understanding of this legislation, I would like to bring your attention to the following breaches : Section 611 ( a ) ( 1 ) ( A ) " Permissible Purposes '' : Based on this provision, TransUnion is required to ensure that the information contained within my credit report is accurate and reflects the true state of my credit history. The inclusion of this inaccurately reported XXXX XXXX card service account directly contradicts this requirement. 
Section 607 ( b ) " Accuracy of Information '' : TransUnion is obligated to conduct a reasonable investigation into any disputed information found within consumer credit reports. Despite fulfilling the necessary steps to rectify this matter elsewhere, TransUnion 's failure to promptly investigate and remove this inaccurate account constitutes a violation of this section. 
Section 611 ( a ) ( 5 ) ( A ) " Prompt Notice of Reinvestigation Results '' : According to this provision, TransUnion is required to inform consumers of the results of any reinvestigation conducted. I have not been provided with any notice regarding the status or outcome of the investigation into my dispute, which further suggests non-compliance with FCRA requirements. 
In light of these aforementioned FCRA violations, I kindly request that TransUnion : I thank you in advance for your prompt attention to this matter. Your swift action will greatly assist me in resolving this unfair situation and restoring my accurate creditworthiness.

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 2021-05-09
Company: EQUIFAX, INC.
State: NY
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:
The items I need deleted are listed in the report. I am a victim of identity theft and did not make any of these transactions. I have no knowledge of such accounts and did NOT obtain possession of any goods, services, or money as a result of the accounts/transactions. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have filed and completed a Federal Trade Commission 's Identity Theft Affidavit. I need the fraudulent items deleted as soon as possible.

Company response to consumer: Closed with explanation