BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Prosper Marketplace, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This the 2nd time been denied~ a loan. Was denied access to my credit from this bank. Stating that eye ' don't meet basic credit requirements and that they would be unable to extend credit at this time. This is not a determining factor, of me accessing my credit. In this consumer credit transaction. XXXX, am aware, that eye am the Consumer and Original Creditor and can not be denied an extension of my credit. Pursuant to 15 USC 1611. They are criminally liable for giving me false and inaccurate information, willingly and knowingly. Pursuant to 15 USC 1681 ( k ) denying me access to my credit is an adverse action and under the Equal Credit Opportunity Act qualifies as discrimination. 12 CFR Part 1002 Supp. 1 Sec 1002.4 ( a ) 1.

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 2022-12-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I requested a money transfer to a relative in XXXX via Moneygram in the amount of {$330.00} on XX/XX/XXXX, and these funds were to be deposited to her bank account. Money was debited from my account in the XXXX and was informed the money was to be deposited within 4-5 business days. However, this never happened. I reached out to Moneygram for an explanation, but were unable to provide one. They opened up a case for investigation and was told this would take 90 days. After the 90 days I called for an update to find out the case was closed and the resolution was sent over to me. I said such an email with the resolution was never received and was informed that I had to open up a case for this issue and wait another 90 days. I immediately asked for a refund, but they stated that was the best available option. The only option for me would be to get my money back. I can not wait another 90 days for a resolution that was never made, because they have not properly performed any investigations. This will not be the first time where Moneygram has failed to perform any investigations. They were under regulatory scrutiny a few years ago for this type of case. I am requesting that you assist me if obtaining a refund of my money that was never deposited to my relative in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
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: 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 2022-12-29
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX I received a response from a previous complaint ( CFPB Case # XXXX ) from XXXX XXXX/Corporate Consumer Relations with Synchrony Bank dated XX/XX/2022 stating that this account was sold to XXXX XXXX XXXX on XX/XX/2022 XXXX I have made arrangements with them. 

I called XXXX XXXX several times and there wasn't an answer or ability to leave a voicemail. Sometimes, I would just get a busy signal. 
In her response, she stated, " Please note, I have verified the reporting of your XXXX XXXXSYNCB account by Synchrony Bank was deleted on XX/XX/2022 from all major credit bureaus. '' I am still seeing it 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 non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-10-16
Company: EQUIFAX, INC.
State: TX
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 am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated from XX/XX/XXXX and my car, purse everything was stolen from my apartment. I had XXXX deposits made during this time from my employer totalling almost {$2000.00}. As the expected money was not there I made contact via the jail phone with Chime regarding this as I was unable to make bail. The first contact was made on XX/XX/XXXX. The corrections officers from the jail had to monitor the call and can also verify this. I then made a police report and provided them with the information. I contacted Chime have them the letter from the jail and police report along with the officers information handling the case. I asked them to suspend all outgoing transactions and lock the cards. They did not it resulted in more money being taken out. They have repeatedly denied my claims to have money returned to me. I have appealed and spent many hours in the phone, resubmitted the proof electronically and by mail. They denied due to portions being peer2peer transfers and the debit transactions due to used online. I do not know the people who stole the money, I did not give them the pin or access code to my phone or permission to use any funds. I notified them the same day I was aware the funds were stolen and then they were negligent allowing an additional {$740.00} to be withdrawn leaving me with XXXX cents. I would like my stolen money returned to me as I have followed all protocol and have proof of what I'm saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
YESTERDAY I SUBMITTED A REPORT WITH YOU GUYS REGARDING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT AND I HAVE YET TO HEAR BACK FROM ANY OF THE BUREAUS REGARDING THESE CIRCUMSTANCES.ALL OF THE DOCUMENTATION WAS SENT TO THEM. BELOW IS ANOTHER ACCOUNT THAT I FORGOT TO INCLUDE IN MY LAST REPORT. 

XXXX XXXX XXXX opened XX/XX/2020 {$620.00}

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 2022-12-05
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 balance transfer

Complaint:
I tried Customer Service, and they were very professional and polite, and said that the promotional rate set by marketing for balance transfers was the only option and that there was no room to negotiate ( I asked to speak with someone else to negotiate, my idea, not theirs ). The promotional rate is 22.8 % which is just too high. I'd be willing to go 0.00 % for 12 months and then that amount for a transfer of {$2300.00} from XXXX. 

Thank you, Let 's talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
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:
Long story short, I disputed 2 transactions because the service was not provided and for 1 I received the refund and the other one I didn't, my bank communicated incorrectly the issue with the second transaction and now the merchant says it's too late to dispute the transaction, this is clearly a communication issue from my bank and they have to fix it somehow, I provided evidence about my flight reservation cancelled on XX/XX/XXXX by the airline without a clear reason, I struggled so much to get a hold of them that I decided to engage my bank for help, they successfully communicated the issue for XXXX transaction, but they failed to do it for the second one. 

Please help me this has been the worst experience that I've had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had some fraudulent items going thru XXXX I called and I advised that I wanted my accounts to be on hold due to old buisness partner was trying to harm me, I called for some checks but I advised that all I wanted was to advised it was not me and I do n't want any refund at all, my account got frozen due that call, meanwhile my wife and I went to bank branch where most of the staff knows us due to our loyal and good reputation they called and semi reopened the account but XXXX of the bank associates thru that fiasco was making phone calls and re opening cases which we had no knowledge the extend that she was doing. Long story short my XXXX got closed and now chase is being closed my assumption for that reason. I never wanted anything besides protection and now I 'm going Thru hard time with my accounts closing when I never did anything wrong, I trusted the bank Personall that they where doing the correct protocol but it seems that they harmed me instead of helping

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My last complaint was on XX/XX/XXXX and Experian closed it by saying that they would remove the incorrect names and addresses. Today is XX/XX/XXXX and I still see my name is not been changed to XXXX XXXX XXXX XXXX also the address : XXXX XXXX XXXX XXXX XXXX, FL XXXX not been deleted it. This was the complaint ID : 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 2022-12-05
Company: Experian Information Solutions Inc.
State: NY
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 was trying to buy a new house and i realized that there was Accounts on my report that i never signed up for so i got on the ftc website and followed their directions to get those accounts removed but the credit bureaus just disregarded my disputes. this is a complaint coming from me the person not a third party company.

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 2023-08-27
Company: Resurgent Capital Services L.P.
State: FL
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:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

This company opened an account in my name when I was incapacitated. This is the second time I have disputed this account and theyve failed to resolve and correct the invalid / Identity Theft account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Chime Financial Inc
State: NC
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:
XX/XX/2022 {$1500.00} was unauthorized charges they refuse to refund my money after making a quick decision they closed my account XX/XX/2022 after i reported to them a dispute unfair deceptive practices fastest investigation they have done. 
15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1644 - Fraudulent use of credit cards ; penalties 029. FRAUDULENT PRESENTMENT AND RELATED UNAUTHORIZED CREDIT CARD TRANSACTIONS MADE BY ACCESS DEVICE18 U.S.C. 1029 ( A ) ( 7 ) 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM.

4A-204. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: MS
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 thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but you've ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.

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