BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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 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 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX Balance Owed : {$30000.00}

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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I tried to open a checking account with Chase in mid XXXX. I tried to make transfers into the account throughout late XXXX and XXXX, but my transfers repeatedly were rejected. It was to the point where I was going to get charged a fee for not having an account balance despite REPEATEDLY trying to make valid transfers. I went into the branch, called Chase XX/XX/23 and XX/XX/23, XX/XX/23, so many times on different numbers. I was told by a chase representative that it was simply NOT possible to make external transfers into chase ( false ), which lead to me asking them to eventually close my account. At the time that I asked them to close my account, my balance was XXXX, so I thought, no problems. However, 3 weeks after this call, the account is STILL not closed, and my transfers are going through. So then I have $ XXXX in the account and it is openappears account is not being closed after all. On XX/XX/23, 3 weeks after my last call to Chase, suddenly the account disappears from the website, it is closed, and it says the XXXX is withdrawn. I go into the bank and work with the banker, they call the closings line, who says they have NO idea why the account a ) didn't close when I originally went through, b ) then stayed open and MULTIPLE {$1000.00} transfers went through, c ) then closed arbitrarily 3 weeks later with no notice and d ) where exactly the {$2000.00} has gone. They can not even tell me whether they have mailed me a check and if so where to ( I informed them I do not have residence at my mailing address and CAN NOT receive a check there ). This is absurd behavior by a bank that I literally pay to have a card open on. I feel that Chase stole {$2000.00} from me simply by " not knowing '' what they were doing and having no knowledge of how their own internal banking processes worked. Additionally, while my account was held open for 3 weeks after I made the call, Chase allowed my transfers but did not make my funds available for WEEKS- which I am pretty sure is illegal, without a reasonable hold reason they should not be able to simply hold my funds for that many business days. I have been trying to resolve this issue with Chase for a month and a half at this point and have seen NO resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file, the item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

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 2020-04-09
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:
I got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, 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:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have two instances. The most recent one is my car bill. XXXX $ and some change was put on pending and then the XXXX institution denied and reversed the payment, which they said was returned the XXXX. It is now the XXXX, and my money is still missing, and the transaction on my history has " mysteriously '' vanished. Now I can't afford to pay my car bill and have to pay both payments plus a late fee in a couple weeks. When I get paid, I will be in the negatives because all my bills are due. 
The first instance where the same thing happened was when I requested a repair for a XXXX XXXX around the end of XXXX. It was for XXXX $ and it was put on hold. That vanished too, both the history of it and the money. I've contacted both merchants and they said the money should be back in my account. I've contacted Ally three times about it, and at first a manager was happy to help, but then he gave up and basically told me I'm screwed because there's no proof. I would've taken screenshots of the pending transactions if I would have known this was going to happen.

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 2020-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
See attatched USAA XXXX VISA/MSTR DEBT XXXX ** DEBT XXXX XX/XX/2013. ** Kindly note the phone number on documentation says to call FOR MORE INFORMATION XXXX This is USAA RECORDING ANYONE TRYING TO COLLECT THIS DEBT IS BREAKING THE LAW. This debt WAS CHARGED OFF & SOLD TO COLLECT BY USAA. XXXX USAA CHEATED ME AND THE COMPANY THIS DEBT ** NOT OWED ** WAS SOLD TO. This debt charged off mysteriously became A NEW MASTERCARD DEBT CHARGED OFF see attatched ending card XXXX. This debt mysteriously became a visa XXXX. ACCORDING TO MY RECORDS I DID NOT APPLY OR AUTHORIZE THESE CREDITCARDS. USAA REFUSES TO SEND VERIFYING WRITTEN PROOF I. APPLIED OR AUTHORIZED THESE CARDS.??? IF THE FIRST CARD XXXX WAS REALLY DELIQUENT?? HOW DID IT MYSTERIOUSLY PRODUCE 3 OTHER CREDITCARDS?? USAA HAS DESTROYED MY CREDIT WITHOUT PROVIDING WRITTEN VERIFICATION OF THESE ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  account number xxx ***, 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 instruction

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2023-11-29
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I purchased a {$500.00} XXXX XXXX XXXX issued by XXXX and serviced by InComm financial services. Upon opening the card, I realized it was tampered with. I called InComm to shut the card down and have it reissued. They asked me to send the front and back of the card, the receipt, and my driver 's license under case XXXX XXXX and tell me it can take up to 30 days to process. I wait until XX/XX/XXXX to call for an update. They ask me to please wait a few more days. On XX/XX/19 I call again. The agent was stuck like a broken record, repeating " you've submitted the documents, they've been received, it's over 30 days, but you haven't received a replacement, just a moment ''. He ultimately could give me no further resolution. So I'm left to make a CFPB complaint to get them to move on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company called GENESIS CREDIT MANAGEMENT has reported a collection account to my credit report, on behalf of XXXX XXXX an apartment complex in XXXX PA. I never lived in this apartment before, I dont owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of my apartment in XXXX with a {$0.00} balance on my account. Genesis Credit Management called me in XXXX of XXXX to tell me I had an unpaid debt. This debt has never been brought to my attention in three years and the other tenant of my apartment has not been contacted by Genesis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Kashia Services
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received a line of credit of a XXXX dollars so I took out a draw of XXXX around XXXX XXXX  and the other XXXX around XX/XX/2022 on this XXXX dollars I made XXXX payments XXXX dollars XXXX dollars and a pay off of XXXX dollars XXXX left my account with them owing me XXXX cents.then didn't use the line of credit again until XXXX 2022 took out the XXXX dollars then a few days later they tried taking around XXXX dollars out of my account saying it was 195 days of back intrest on the loan that I had paid in full on XX/XX/2022 that left them owing me XXXX cents I have reached out to them lots of times all I get in response is there very sorry and they will escalate the problem to upper management nobody ever calls XXXX ask them what my payment is on the money I actually do owe them and they can't tell me that because it is all been added together. So I don't know what to do because I can't make the payment on the money Iowe because they keep trying to take money out of my account for the loan that I have paid in full on XX/XX/XXXX I'm so frustrated it seems that they are trying to scam me out of money that I do not owe. I am trying to be fair and set up payments on the recent line of credit I took but I will not pay any money on the prior line of credit that I paid off on XX/XX/2022 that left them owing me XXXX cents wich they deposited back into my account on XX/XX/2022 because that was what was owed to me after payoff. So now they keep trying to take money out of my account wich I am not going to let happen until the issue with the last line of credit is resolved. I will start making payments on the draw that I received on XX/XX/XXXX when they fix my account and send me documentation showing me that I am only being charged on the line of credit that I received on XX/XX/XXXX. But all they do is give me the run around every time I call. Don't know what to XXXX recently tried taking almost XXXX dollars they are a tribal line of credit and if I can't get answers out of them I don't know who to turn to to get closure from this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Marlette Funding, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation