BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: MD
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:
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. 

Account name : XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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.

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 2023-07-12
Company: Credit Karma, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Three different times credit karma. 
would send me a pre-approval guaranteed from discover for 5 % personal loan, once I applied for the personal loan and was approved, it was never 5 % it was usually anywhere from 15 % to 20 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. 
Personal Account # : XXXX Business Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
6 days ago on XX/XX/2023, I was attempting to transfer money from my CashApp Account to my XXXX bank account. When I entered the letters XXXX into my phone, the icon of my XXXX Bank showed up. I clicked it and entered {$1200.00} to transfer to that addressXXXX XXXX account. A short period later, I received a message stating 'Failed Attempt/retry ''. I clicked that, thinking that there was an error in my transfer request. Then I called my XXXX bank to see if the funds were received, and, of course, those funds were not only received but were also not even pending. So, I called Cash App immediately to inform them of the issue and see if the transactions could be reversed. They talked me through the procedure but said that it was up to the payee/scammer to refund those payments that were made. I gave Cash App all of the information regarding the 2 transactions, and they said that there was nothing else that they could do at that time. I called them today, nearly 24 hours later to check the status of the scam report, but they again said that there is nothing that they can do. This scammer is still active on the Cash App account because he denied my refund request. I have screen shoots of all activity if/when needed. Thank you, XXXX XXXX ( XXXX ) XXXX # deaneiden on Cash App. The 'business'/person that received and scammed me of the money is CashApp account XXXX XXXX And he uses the XXXX Logo on his profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: AZ
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:
This ridiculous. I submit one complaint and your respond to it with something that doesn't have to do with the complaint I sent you. I submit another complaint to address the first one and the response that made no sense, but you shut my complaint down say you need my authorization. I call in and the rep had no clue how to help me. This is straight up illegal. I sent a letter disputing inaccurate items on my report on XX/XX/XXXX and still no response. i send another letter on XX/XX/XXXX demand that status of the results still no response. 
you have everything you need. in my first letter i sent a notarized letter with the dispute as well as my identification. If this can not be resolve i will report to XXXX  and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: GFS II, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle XX/XX/2021 from XXXX XXXX XXXX in XXXX, TN. My credit was ran and approved. I asked and was told they participate in the truth in lending act. I was still required to put a {$2000.00} down payment. XXXX XXXX XXXX said that Gateway financial solutions ( loan is through ) required it down even after asking/stating in regards to the truth in lending act as well as the law 15 US Code 1662b advertising of down payment and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
As I did not arrange any credit payment or installment, I would like my down payment of {$2000.00} refunded and account justified/cleared since they violated my rights. The car still currently does not run and I have been current with my car note each month regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, an account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was placed on my credit as a closed account. I was unaware of where this credit card had come from as I do not recall ever opening it. I never received any letters notifying me of this account or that it was scheduled to be closed. Upon realizing that this account existed nearly 5 years later, I contacted XXXX XXXX XXXX to inquire about the account. I was told that it had been charged off and sold to XXXX XXXX. After calling XXXX XXXX I was told that they had sold the debt to XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( See attachments ) stating that if I fulfilled a settlement for the debt, they would delete all records and tradelines of the debt from each credit bureau. I fulfilled the settlement with XXXX on XX/XX/XXXX, and would like for this debt to be deleted. 

This debt has caused an immense amount of undue stress to my livelihood. In XX/XX/XXXX I was hoping to acquire a job with XXXX XXXX to continue to grow in my career field, however, the blemish on my credit report caused me to be unqualified for my dream job. Additionally, my now fiance proposed on XXXXXXXX XXXX XXXX and as we begin to look for our dream home, I am afraid to apply for a mortgage for fear that we will be turned down or offered unsatisfactory terms due to this debt. I've done my best to correct this error by reaching out to the bureaus in dispute as well as the creditor but have received no results. It simply is not fair that I paid the settlement for this debt and the contract agreement is not being met.

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 2021-07-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage service provider-Carrington Mortgage Services- sent incorrect information about the standard of the loan and reported to the XXXX XXXXXXXX XXXX ( XXXX ) to further damage my credit with the credit Reporting agencies. 
They assumed that since FEMA declared the zone in a Natural Disaster Area, I did not pay my mortgage installments, something which is not true. 
I paid my mortgage on time and despite of this, they reported to credit agencies like XXXX, XXXX XXXX and XXXX. 
When I tried to buy a car, the operation didnt get through because their false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so glad that the XXXX had manage to remove all the issues that I have put forward to them. And the most of the problematic issues were also removed from my XXXX and TransUnion credit reports. The thing is there were still few more troublesome items which were not removed yet. So, I am requesting the XXXX and TransUnion Bureaus to please remove them within 15days : XXXX : CHILD SUPPORT ENFORCEM XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX POLICE AND FIRE XXXX XX/XX/XXXX POLICE AND FIRE XXXXXXXX  XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-11-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief

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 2023-06-28
Company: Experian Information Solutions 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:
EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL collections reporting was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report has been filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine these accounts are indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet signature. Consumer is NOT asking for an e-Oscar report. If EXPERIAN doesn't have documentation to show these were in fact authorized by the consumer it must be removed ASAP. SAID company is liable under the SEC to follow certain rules EXPERIAN XXXX XXXX AKA EXPERIAN XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Floor XXXX XXXX XXXX New York XXXX, i will be filing form 211 treasury omb forms to audit consumers account EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT

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 2021-07-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent my first letter to the credit bureaus in regards to an account that is inaccurately reporting on my credit report ( XXXX XXXX ). XXXX XXXX is reporting my date of last active and date of last payment inaccurate. I have sent a letter asking them to verify, validate, and investigate this account. I have yet to receive a response after several attempts. I have been patients but they have had more than enough time to properly investigate my requests. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Google Compare Credit Cards Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a user of Google Pay, an online wallet for credit cards to make payments through apps or other online transactions. Last XXXX someone hacked into my Google account and used my Google Pay account to purchase 12 Google XXXX  phones. The fraudulent charges totaled {$11000.00}. This was done using a stored XXXX issued credit card. Once I learned about this I immediately reported it to XXXX and I filed a police report with my local police department. XXXX took almost three months to resolve the issue and I had called them many times to get the fraudulent charges removed. In the meantime, Google kept suspending my Google Pay account and I had to keep calling them to get it reinstated ( which is very difficult to do since they make it hard to find a phone number call ). Now they have suspended my account and although I have called, they still haven't reinstated it and it has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: EQUIFAX, 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:
To XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of  FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX  Equifax XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank closed my account due to the payee name not matching my name ( account holder ). I went into the bank to verify that the payee authorized the funds to be received by me by them bringing in XXXX forms of ID and proof of business association. They never scanned the IDs or anything to be sent to the fraud department they simply said they couldnt help me. After I was told that, I submitted a complaint requesting a release of my funds. They then replied saying that they dont have the necessary information to release them as I need to verify the payee by phone number or walk into a branch with their XXXX forms of ID and that I also need to verify maker issuance which if Im wrong correct me only applies to checks ( these are all ACH deposits ). I then let the fraud department know where the ACH deposits came from ( shopify ) and they did their research and couldnt find a phone number that can be verified because XXXX has moved all of there contact methods to digital meaning only live support chat and email. So there was no way to call and verify makers issuance as XXXX doesnt have a phone number to call. So the fraud department said there is no way to verify my funds and that my money will be sent to the state after a certain time frame. Which is ludicrous as this is legal money coming from a legit source just the payee names were mismatched. There has to be another way to verify my funds as that is not fair to victims who have legit transactions but just because the Maker doesnt have a phone number the transactions cant get verified. This needs to be handled as that is my hard earned money that I have no access to simply because of a payee mismatch and because the maker has no phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reached out to my mortgage loan officer who I refinanced my home through about a year ago and I begin to start to process of purchasing a second home. She reviewed my credit with me and I noticed several accounts on there that are not mine. First there is a Bankruptcy on there. I reached out to the Bankruptcy court here in Ga and they was not able to locate a Bankruptcy under my social so that needs to be taken off immediately. There were several other accounts as well XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX US DEP ED. There were also several inquiries that I know nothing about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out and filed a compliant with the FTC and reach out to the police here. I am doing this on my own and need some help with this situation.

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 2023-10-04
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been double charged on this card XXXX separate times, and every time they call me THREATENING me that they will charge me interest if I dont pay. When I try to access my account they tell me that my information is incorrect, that my zip code and address dont match, so they are unable to tell me what I am being charged for. When I try to dispute the only thing they tell me is that I need to pay before I accrue interest. I have paid off the balance on the card several times. But now they are trying to scam me. They continue to double charge old purchases even though I am no longer using the card.

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 2021-07-27
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I requested a balance transfer from XXXX XXXX XXXX to payoff my XXXX XXXX XXXX XXXX The check for {$8400.00} was sent to Barclays Card Services, XXXX XXXX XXXX XXXX  PA XXXX. The check was deposited in a Barclays account in a Barclays Acct # XXXX at XXXX XXXX XXXX  on XX/XX/XXXX.. 
Barclays, unfortunately no longer processes XXXX XXXX XXXX credit cards.So the payment is sitting somewhere in limbo. 

Barclays could : - return to the funds to XXXX. 
- forward the payment to XXXX now handling XX/XX/XXXX credit card processing - send a check to me I have spent endless hours on the phone on hold with Barclays trying to get some resolution to absolutely no avail. Am I always forwarded to a manager or acct rep where the line rings forever,

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 monetary relief