BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Between the time of XXXX and XXXX I was a victim of identity theft and had multiple bank accounts fraudulently accessed. On XX/XX/XXXX, I opened a checkings account through the XXXX XXXX  XXXX and during the time I was a college student so I mainly only used my bank account for day to day things like rent, groceries and paying bills. Moving forward to XX/XX/XXXX my bank account was closed by the bank due to account checking fraud. I was told that there was nothing I could do, so I went on and decided to open checking account at but this time at chase bank. My bank account at Chase was opened XX/XX/XXXX and I was in good standing with that bank account for about a year until I got my identity stolen, because of an incident where my wallet was taken from me. Due to the incident I started seeing unusual transactions happen on my account that later led to my checking account being closed on XX/XX/XXXX. Chase closed my account and I was no longer able to bank at another financial institution after that incident. It is now XXXX and Ive just excepted the fact that these things happen and have ignored the fact that I havent been able to have a bank account for years now and I would like help getting past this unfortunate hold on my life and regain access to a traditional financial institution account instead of using prepaid cards. Majority of these things happened to me between the ages of XXXX to XXXX. I am now XXXX years old going on XXXX and I would like to get help figuring out what I could do in order to regain access to a traditional checkings and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a charge on my account that is in collection with convergent outsourcing via XXXX in the amount of {$8000.00}. I have never used XXXX  service.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 received a copy of my credit report and I have multiple fraudulent accounts on my credit which I would like to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a car through XXXX on XX/XX/2021 which I financed through USAA. The contact info for XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX Fax. The amount for the car was listed at {$43000.00} before I requested tax, tags, and title pricing to be added bringing the total amount due to {$47000.00}. It has been a total of roughly five months and XXXX has yet to cut me a check for the amount of {$3300.00} which I am owed. I have contacted the company at least sixty or more times about this and it is yet to be solved. It seems as if they have decided to take my money from me. Please help me. ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is 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. The stuff on my credit report is wrong 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 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 2023-11-26
Company: Experian Information Solutions Inc.
State: NC
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 XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXXXXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my 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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 took a look at my consumer report which caused severe XXXX and XXXX. According to the Fair Credit Reporting act XXXX, TRANSUNION and XXXX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : 1. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : 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 2022-02-07
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:
US DEPARTMENT OF EDUCATION ( Original Creditor : XXXX XXXX ) Account Numbers : XXXX and XXXX Date opened : XX/XX/2014 These accounts dont belong to me. I never applied, received, benefited and/or profited off of these accounts. I have tried numerous of times to dispute these accounts and they keep saying it belongs to me but theyre not giving me any solid evidence that these accounts belong to me. I have disputed these accounts with US Department of Education and Equifax ( its only reporting on Equifax ) they both have said the account is mines but have yet to produce any solid evidence.

The last reply I received from the US Department of Education the letter addressed me as. Ms. XXXX. I even sent the proof of the letter over to Equifax and never received a reply back from them. 

On top of that the US Department of Education have incorrect information thats reporting becaue they two different amounts thats owned. We all know the information has to be correct across the board. These accounts have been reporting for awhile on my credit and has been an negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Duplicate Cash Card Transactions Started XX/XX/2023 at XXXXXXXX XXXX Our team is aware of an issue causing duplicate Cash Card transactions, which is making some customers see a negative account balance. We are looking into this matter and will post resolution updates here. 

This is the message I received today and I cant reach them on the phone or online. This error cost my account to go - {$25.00} and money is tight enough as it is. It may not seem like a lot of money, but it is to me and has caused a big inconvenience today regarding gas and groceries. I understand things happen sometimes but theres no communication from Cash App. Theres no updates and this is typical of their service. this is my money and it needs to be put back in my account or at least I need to be updated or compensated for inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have items that I have purchased via the company XXXX XXXX XXXX on credit. I have paid off several items dating back to XX/XX/XXXX to now XXXX of XXXX and haven't been late on one payment. None of this information is reflected on my credit report but derogatory marks are. The three companies that have missed this information are XXXX, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXXXXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXXXXXX XXXX  | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: In progress
Consumer complaint received 2023-11-19
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a digital {$300.00} American Express Gift Card at XXXX ( XXXX XXXX ) and it doesnt work anywhere. Its denied at XXXX, XXXX, XXXX, XXXX, and I cant add it to my XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: JPMORGAN CHASE & CO.
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 rewards from credit card

Complaint:
On XX/XX/XXXX I purchase a ticket thru Chase Rewards for XXXX XXXX. 
On XX/XX/XXXX XXXX and Chase informed me that the flight was cancelled due to covid. After numerous emails and calls with Chase I was told some kind of air credit will be issued to me. I didn't received anything or hear anything back from them since XX/XX/XXXX. 
Recently I tried contacting Chase Rewards again and I was informed that the travel credit was extended till XX/XX/XXXX and it already expired. I wasn't informed about that prior and even if they would've most of XXXX travel outside US was restricted. 
I lost {$1000.00} ( {$84.00} cash and XXXX points ) As of today XX/XX/XXXX I didn't received a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-03-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
a lot of information is invalid on my Equifax credit report. I am interested in disputing all inaccuracies on my credit report to help my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
CFPB, Here are the documents that proves Credit Acceptance Corp. was provided and was notified by XXXX that I disputed my prior payment history because it was incomplete and inaccurate. ( See Attachment below ). Credit Acceptance Corp certified to XXXX that the prior payment history was correct and accurate. ( See Attachment below ) I pulled a new credit report from annual credit report. ( See Attachment below ) Credit Acceptance Corp did not fix any of the prior inaccurate and incomplete payment history. ( See Attachment below ) Credit Acceptance Corp knew that the payment history was being reported incorrectly. My payment history was blatantly obviously incorrect and incomplete. ( See Attachment below ) Violation after violation. Either correct the account or delete it immediately. This is your last chance to fix your companies inaccurate and incomplete reporting of my payment history. Do the right thing, thank you. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  1 day ago ) to XXXX XXXX. Ive disputed the accuracy and the incompleteness of my payment history with XXXX, regarding credit acceptance corporation. I will attach documents so you can see for yourself. XXXX says that XXXX  has verified that the prior payment history is accurate and correct. Will you please explain to me how this payment history could be verified as accurate and correct? I will attach all the supporting documents and you can look at it yourself. Ive been extremely patient. Theres XXXX violations. This is my final attempt to have it corrected or deleted. I just want to move on with my life. Thank you. 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 2023-06-01
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
As stated in my first complaint, this firm is extremely difficult to get a hold of and when you do get a hold of a representative you are faced with dealing with a high level of unprofessionalism and them trying to deny the company approval a lower settlement offer. I call multiple times and was told that this offer did not exist and that I would have to pay the full amount or they would not be dealing with me in trying to help me resolve this matter. 

They did not offer me the opportunity to speak with a manager even though it had been requested twice. They did not acknowledge that I was given a settlement offer by XXXX XXXX. None of these became and option until I had submitted a complaint with CFPB. 

I was faced with people who were telling me that no such records existed and no willingness to verify this with the creditor UNTIL submitting a claim on them for unfair practices. The company should have verified this information, but refused, and then refused to let me speak with a manger regarding my concerns.

Company response to consumer: Closed with explanation