BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  : # XXXX, XXXXXXXX XXXX  XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States l 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to report inaccurate and unverifiable information on my credit report. I ask this company to send validation of debt letter and to also cease all forms of communication with me through any and all mediums. This company is breaking numerous FDCPA laws. This company needs to stop reporting this inaccurate information on my credit file. To my knowledge Pursuant 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I can only validate this debt, I do not validate this debt, so i demand this company to stop reporting unverifiable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received several messages today from XXXX. They have called myself and every family member and threatened to take legal action against me. When I called back the statements he was making were false. I asked for his fax # and please and not contact any of my family member 's. The account he spoke about has been in active for 7 years. He quickly started calling me names and hung up on me. When I tried to call back he used more false statements and said he would call everyone I knew to tell them about me. Now he is calling my children 's phones.

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 2022-08-09
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
DISCOVER bank is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

DISCOVER has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am long time customer who attempted to open a CD with my bank-Capitalone.com. I contacted customer service after several online attempts to open an online CD. I was informed that I need a cell phone to receive a security code in order to open an online CD. I was explained that there is no other way to send me a security code, not via land line phone nor e-mail. I do not own an appropriate ( Capitalone.com ) approved cell phone. This is customer disservice, not to mention discriminatory. Apparently Capitalone considers cell phone ownership a secure means of verifying a persons identity. If security is genuinely the issue, then Capitalone should make the effort to be more inclusive. Instead of racial discrimination, Capitalone practices cell phone ownership discrimination. Can anything possibly be done to serve the customer instead of further encouraging a two class culture?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Security Credit Services, LLC
State: MI
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 XX/XX/2017, I discovered I had been the victim of fraud. Someone used my information to lease two tv 's through a XXXX store in Virginia. After speaking with the leasing company, filing a police report, filing a XXXX complaint, and submitting a complaint to the CFPB, XXXX XXXX ( the original creditor ) acknowledged that this was a case of fraud, told me they bought it back from the debt collector it was sold to, and removed the account from my credit file. However, I have now discovered that Security Credit Services, who bought the debt from XXXX, is still reporting a {$1500.00} balance in collections with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. This is the inquiry on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fifth Third Bank is practicing deceptive business practices. They sold a product named XXXX XXXX XXXX to us without our knowledge and wish. We never requested this product. Upon learning that we were signed up for this product, I reached out to them on multiple occasion and requested that they remove the charge of {$3.00} for each month beginning from day 1 they applied the charge. They refunded the charges initially, and assured us they will order a regular debit card which has no fee. This was also a lie. The charges kept coming. I reached out to them in person the 2nd time and they again assured they were correcting the issue. This never happened. As of today we are still being charged the fee of {$3.00} and they have not corrected the issue. I have reached out to them again via online banking messaging for their mobile app and from online banking messaging via a computer to no avail. They are interested in passing the buck between customer service and the branch. THEY ARE CLEARLY doing unethical things and should be punished just like other financial institution that were in trouble in the past for similar things. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking ( account # XXXX ) and saving account with First Citizen Bank on XX/XX/XXXX with a promotion below : " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I called the customer service back in XXXX and confirmed that the promotion code was successfully applied in my application, and later I completed 10 debit transaction by XX/XX/XXXX. It has been more than 120 days since I fulfill all the requirements, but I still don't see the bonus posted in my account. 
I contacted customer service, but they still don't provide any useful information. Here 's their reply : " Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2021-04-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.

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 2021-11-08
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 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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

AFFIRM XXXX XXXX Balance {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen and XXXX was spent at a XXXX while I was at work on XX/XX/XXXX, charge went through on XX/XX/XXXX. The same person also tried using my card at a XXXX and I got an alert via text and I confirmed I was not making this charge. My card was closed. I could not file a dispute until the charge went through. My husband filed the dispute, thinking that I had my card and that just the card information was stolen. The bank denied the claim because the chip was used to make the transaction. The chip was used because the card itself was stolen. The bank will not return our funds now, even though I have explained to them that the card itself was stolen. I was at work, clocked in, my husband was at work in XXXX, the charge could not have been us.

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 2019-03-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My name is XXXX XXXX and my mother XXXX XXXX cosigned for a private student loan. We were due to family deaths/hardship were unable to make payments and the loan was sent to XXXX  debt collectors. They started debited my mothers account monthly by default. We have been paying for over 2 years, they dont provide us information on the interest amount vs principal. We have asked he repeatedly and I am unable to claim the interest we have paid. I have paid my mother every month and I have proof of this. They are not helpful at all and said there is nothing they can do. We are in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a commercial account with TD Bank under the name of XXXX XXXX  XXXX in XXXX, VA. About one year ago I tried to use my debit card to make a deposit and I found out I was locked out of my account. 
When I went in to complain I was informed that I would be hearing from the fraud department. After many visits to the bank and sending emails to them through their online system I have never received a response. 
In the mean time I was unable to use my account and they continued to drain it for monthly service charges. Finally i received a letter from the bank telling me they were going to turn my account over to a collection agency for being overdrawn. When I call ed the number on the letter they informed me that they could not do anything because I did not have my debit card any longer. When I asked to speak to a supervisor they informed me that they would see if he would talk to me. After 5 minutes they hung up. 
I went to my branch to get the number of my account only to find out that the branch is closed because of the virus. 
I found a number for the branch and called it and they told me that they would look into it. The called me back and told me that they dropped asking the debt collection to not bother me and said they were going to close my account. I asked why and they could not give me any answer. Can you please look into this and tell me what happen and why their fraud department never got back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank charged me XXXX overdraft charges on transactions when my account should have had an adequate amount of money in it to cover them, had they processed my claim earlier rather than waiting almost a full month to provide me with a temporary credit onClaim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I pulled my consumer report from Experian. In doing so, I noticed a blatant disregard of my personal right to privacy. There are multiple inquiries, accounts, phone numbers and addresses listed. This is evident unauthorized use of my XXXX XXXX XXXXXXXX XXXX. I did not give Experian authorization or consent to report or publish any of my private XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2021-11-08
Company: Granite Edvance Corporation
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. 

GRNTE XXXX XXXX XXXX Balance Owed : {$3600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$6600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$3800.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$5200.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: GA
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:
There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from one reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from XXXX that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.

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