BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
So, I Recently got an {$50.00} American Express Gift Card as a gift from a friend of mine. I went online and activated it so i could be able to use it online, and in stores. However, XXXX ( XX/XX/2023 ), I tried to buy some digital currency for a game, But it wasn't allowing me to purchase anything. I checked the balance on my card and noticed that every time i tried to purchase something from XXXX, I'd get charged XXXX cents. I previously had {$50.00}, and now i have {$49.00}. I had XXXX cents taken out of my account from failed purchases. I tried to use the card on XXXX instead, but it was still not letting me purchase anything, giving me an error saying that something was wrong with my card. I even tried to go to a store to purchase a snack for myself, but i was never able to. I contacted the number on the back of the account so that i could see if my card was actually activated, and it was. My purchases just weren't going through. I went online and did more research and found out that i wasn't the only one having this issue, and many people haven't found a fix to it yet, so i decided to file a complaint for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: LoanCare, LLC
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: Old information reappears or never goes away

Complaint:
To whom it may concern, Delinquent account underwent three transfers over a 7 year period : from XXXX XXXX  to XXXX XXXX/LOANCARE to LOANCARE. Each time the account was transferred it received a new account number. As a result, the delinquency is reflected on my credit report beyond the 7 year time limit because the account last received a new account number in XX/XX/XXXX, making it look like it was a newly reported delinquent account at that time. Date of first delinquency is XX/XX/XXXX, and this account should be removed from my credit reports as directed by the Fair Credit Reporting Act. 

Thank you in advance.

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 2019-11-05
Company: Social Finance, Inc.
State: DE
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 issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I am unable to log into my venmo account. I get an error code every day. I have submitted my id & a self with my id like I was asked. I need access to my account on demand. Not whenever venmo things I should be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$21.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$73.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
Company: FIRST ADVANTAGE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I applied for employment at XXXX and they conducted a background check into my motor vehicle record with a company called First Advantage. The company reported my license status as " withdrawn '' and have made no changes or updates to correct it. They also reported me as ineligible. The report is dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Information belongs to someone else

Complaint:
I've sent you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; MXXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2022-11-18
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account around XXXX XX/XX/2022. Told me Id receive my leftover money in 30 days. which would be XX/XX/2022. Ive called multiple times and theyd lie to say that the money would come in the next business day over and over. Ive emailed and got no help at all. just a bunch of lies. It is now XX/XX/2022 still no check in the mail. theyve been holding onto my money for almost 2 months now. my employer even confirmed that they still have my check. Overall I feel robbed and nobody has actually helped me. Only lied to me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CT
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 XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX ACCOUNTS : - XXXX XXXXXXXX Account # : XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX - XXXX ( Original Creditor : XXXX XXXX ) Account XXXX : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX ) Account 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 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 2022-12-24
Company: Spring Oaks Capital, LLC
State: IL
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 would like to mention XXXX companies. The first one is a credit card company named XXXX XXXX which also goes by the name of XXXXXXXX XXXX XXXX The other is a collections agency that goes by the name of Springs Oaks Capital LLC. They came into play when XXXX XXXX fraudulently sold my account to them and they then attached themselves to my account trying to collect a debt they are not entitled to. 

On XX/XX/XXXX I called XXXX XXXX aka genesis fs card to pay off my balance and close the account. The call taker ask why I wanted to close the account and I informed to her that a XXXX XXXX dollar line of credit was no longer beneficial to me. Furthermore, I told her that I had much higher credit limits on other accounts and that this account was never going to increase it's credit line. She said she understood and proceeded to look over my account. She stated the the balance was {$260.00}. I gave her my XXXX debit card info and processed the payment. She asked if there was anything else needed and I said no and we closed out the conversation. About a month later I received a notice indicating I had an outstanding balance. I called them and this time the call taker informed me that my account was over the {$300.00} limit. I informed her that the account had been paid in full and the account was closed effective XX/XX/XXXX. She then stated the payment was charged back to my account at which time I told her to hold on as I pulled up my bank statements form XXXXXXXX XXXX. I looked over the account and informed her that the payment was never charged back to my account and the payment was processed and cleared. She further looked over my account and stated a mistake had occurred on their end and she was going to correct the problem. She went on to say those were fee assessments. She then stated she removed the fees and informed me that account was paid in full, with a XXXX balance making the account whole. I thanked her and the conversation ended. 

In XX/XX/XXXX XXXX months later I received a letter from genesis fs card services stating that my account had been charged off due to an outstanding balance of {$280.00} and the account had been sold to Springs Oaks Capital LL. My bank statements clearly shows the payment received and processed. 

I reach out to XXXX XXXX several times to no avail. I have paid for a credit repair company to intervene as well. Still the results all have been the same. 

The XXXX XXXX XXXX informed me to obtain a law firm to handle my case. I did that and the law firm informed me to contact CFPB. So I have escalated this all the way to this XXXX for assistance. I have documents that will support all of what I stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NM
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:
When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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: Information belongs to someone else

Complaint:
I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} 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 2022-06-03
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 XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-05-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-01-10
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 XX/XX/2021, a debt validation letter was sent to XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023 In Louisiana a TV commercial ad aired on basic cable station called XXXX channel ; XXXX to be exact. The commercial was by Chase bank. To make matters worse, the ad was advertising towards children for their own bank account. Heres a link to the commercial : XXXX XXXX XXXX XXXX XXXX XXXX At XXXX seconds into the commercial, a disclaimer is displayed at the bottom of the screen. The text itself is so blurry and pixelated it is ineligible to read. 

A disclaimer is what defines a companies truth and credibility in an Ad and having a disclaimer thats ineligible is misleading for both parents and children who are watching this tv Ad. 

Chase bank shouldnt be targeting children to begin with. Then theyre purposefully blurring the disclaimer to hide facts from what should be public knowledge. 

The channel it is displayed on has tv shows that are rated PG. Which means this channel is watched mostly by families and children. Theyre preying on the minorities. This shouldnt be allowed. They should be held accountable. 

Please help me and the many families who want transparency and truth.

Company response to consumer: Closed with explanation