BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
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: Account information incorrect

Complaint:
XXXX, XXXX and Transunion continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of 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 2023-08-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checkings and savings account with Ally bank and transferred in {$180000.00} from my XXXX  XXXX XXXX Checkings to Ally Checkings and then Ally Savings. Then, I wanted my money back in that very same XXXX  XXXX XXXX account. I moved it all back from Ally Bank Savings into Checkings. Since they did not allow more than {$10000.00} in transfer at a time, I hade XXXX separate transactions back to my XXXX  XXXX XXXX. They locked me out of my account while the transfers are in limbo and I no longer have access to my life savings. I am utterly distraught, worried about whether I can keep up on payments. They refuse to unlock my account despite verifying my identity 6+ times over the last two weeks as they do no reveal details of the " investigation '' they are conducting. I have been provided no ETA of when this matter will resolve. Most bank accounts will just unlock your account same day weeks but I've been sitting in near poverty for almost XXXX weeks. 

Lastly, one instance I called someone, verified my identity with SSN, security questions, etc and the caller asked me if I am the owner of the account to which I responded " Yes ''. They then promptly said they will disconnect my line because I am not the owner of the account. This sounds so scummy and fishy!

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 2018-04-01
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
LexisNexis as of XX/XX/XXXX states that they verified Judgment & liens and the amounts are accurate. the documents I have from the State Lien are not correct nor is the amounts correct as showed on file. Lexis Nexis also does not report accurate information and I disputed the amounts 2 years ago and those was put into dispute and as of XXXX County has incorrect information showing and I hired an attorney to pursue the issue to the matter. 
The information that is on record is wrong. Lexis Nexis has and can not provide my information by law with my full social security number my full date of birth and full address as well as my full names attach with all this on public file. There was a law passed in XX/XX/XXXX that clearly states if all the full information is not on file for Liens, Lexis Nexis needs to Delete/Remove all information pertaining to Liens & judgements on file. Lexis Nexis also needs to provide full information on file with full social security date of birth etc in full not partial information to be valid or legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2019-08-30
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The PNC interface for business credit card shows up on my consumer account. On the consumer account, the interface says " Amount Due : {$0.00}. '' However, this is inaccurate, conflicting with information elsewhere on PNC.

I pointed out this GLARING, MISLEADING ERROR to PNC, but they still charged me a service fee as my " courtesy waiver '' was not available.

By any reasonable objective standard, this is not a request for a courtesy credit. This is a request for a credit due to MISLEADING INFORMATION on their poorly administered site.

I appreciate your help curbing the abuses in this sector, because recent history shows that companies like XXXX XXXX and perhaps PNC will use consumers like doormats if given half a chance.

The manager is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called in on XX/XX/23 to transfer XXXX off my XXXX XXXX to my XXXX XXXX card. I was told that was completed then transferred to a supervisor to close the card. I closed the card with the understanding that the XXXX had been transferred. Later on, I realized the XXXX had not been transferred so I called back and spoke to another supervisor whom stated they would re-instate the account. I looked several hours later and it was still showing as closed. I just got off the phone at around XXXX est with a rude and aggressive employee whom wouldn't transfer me to a supervisor and acted like they knew what happened in those calls. They told me that my account would not be re-instated and that I had to wait for letters. I have a XXXX card with an XXXX limit and there was no reason to deny my request to shift the credit limit. Now American Express closed my card based on a lie that XXXX had been transferred, then lied again when I called back to re-open and now the card is showing as closed and my XXXX line is gone now. I was told a supervisor would call me back, it has been 3 days and still no call. Just like I told the last representative, I knew there would be no call back. American Express lied during the closing, unfairly didn't transfer the XXXX limit to the other card, had another employee lie about me losing the points, another employee whom was a manager tell me it would be re-opened. Please listen to all calls on XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Student loans -- XXXX -- XX/XX/XXXX Medical bills -- XXXX -- XX/XX/XXXX inquires -- 5 -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: SYNCHRONY FINANCIAL
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:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX  XXXX they keep on reported me messing up my credit please help me get my identity back.

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 2023-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$320.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Paypal Holdings, Inc
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
I've been working with Paypal for close to a decade. On XX/XX/19 They permanently suspended my account for a violation of an undocumented rule in their " Acceptable use policy ''. 

Part of the suspension is a freeze on my cash reserves they hold, this includes USD {$230.00} XXXX {$4000.00} XXXX Their reasoning for holding the cash is that If I have any cases through paypal they can use the held cash to pay for them. ( This is a poor reason because they have admitted that I rarely have cases and I already have two means for them to charge me my credit card and checking account are registered in their system for this purpose ).

They have admitted to storing my money in an interest accruing account during this 180 day process but say they will refuse to pay me any interest on it.

They also have told me when the 180 days are up I will be forced to sell them all my XXXX and XXXX at the value on that day with whatever fees they wish to apply. I can not see how this is legal? I have had that XXXX stored in my account for years. And now that the XXXX has dropped significantly in value i will be forced to sell it at a loss? Does Paypal have the legal ability to work as a brokerage in this way? I want to receive my XXXX and XXXX as they are without being forced to sell them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX Home Dates : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( XXXX, TransUnion and 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 2023-01-03
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase was supposed to take my mother off as a registered user of my credit card, and not allow her back on. She then got back on with Chases help and racked up XXXX dollars in charges and now chase is utting me on the hook for purchases I never made, that were made fraudulently and without my permission. I saw no benefit of any of these transactions and now they want me to pay XXXX  of XXXX  of dollars including XXXX in debt my mother XXXX to my card without permission from me along with about XXXX in contractor payments. 

Chase is trying to stick me with a bill they caused through gross negligence and I have been having XXXX XXXX  ever since this started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Information belongs to someone else

Complaint:
See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Conn's, Inc.
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: Personal information incorrect

Complaint:
wrong address on my credit report i can not removed it because i would have to call conn appliances inc to remove it I never lived at this address XXXX XXXX XXXXXXXX XXXX XXXX texas XXXX can i sued them for doing this to me and the

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Novad Management Consulting LLC
State: WV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is foreclosing on property. Said I had abandoned it. Have tried several times to contact the company by phone, fax, and priority mail. They will not respond. 

The person involved is XXXX XXXX NOVAD Management Consulting llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened the Chase XXXX XXXX  Rapid Rewards account through a link on the XXXX website on XX/XX/2018 and bought my ticket immediately after opening it. I was lured by the offer of a {$200.00} statement credit right away and then {$50000.00} XXXX  Rewards points if I spent at least {$2000.00} in the first 3 months. I did receive the statement credit on my first bill and I spent {$2200.00} in the first 3 months, at which point I figured I'd get a " congratulations, you earned your bonus '' note or something. Since I didn't, on XX/XX/XXXX I contacted Chase via the Secure Messaging function in my online account to ask when I would get the XXXX  Rewards Points. They told me I'd been offered XXXX  Rewards Points after charging {$500.00} to my card, and that those points had been deposited in my XXXX  account ( which they were ). When I said their records were wrong - I'd signed up for a different offer - they said no, they weren't wrong unless I could prove what I was offered. Of course I can't prove anything - I didn't have the foresight to take screen shots as I was applying ( though that only shows an offer was available, not that I actually applied through that offer ) and Chase pointedly doesn't document anything " because their offers change all the time. '' I can search " Chase XXXX XXXX  Rewards Points '' and find several websites from between XX/XX/XXXX and XX/XX/XXXX that refer to the bonus offer - so I know it WAS an offer that was available at the time I opened my account, and I know I would not have put over {$2000.00} on my Chase card without that incentive ( I would've opted for cash back on a different card ), but Chase ensures that there's no way for a consumer to prove what s/he was offered at the time of the credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called XXXX XXXX calls my residence each and every day starting around XXXX XXXX in the morning. They called 3 times on XX/XX/XXXX, 3 times on XX/XX/XXXX and 2 times on XX/XX/XXXX. This is when I started to keep up with the calls but it has been going on for weeks. I don't owe this company any money I have never done business with this company and it is annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. I.C. SYSTEM INC company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.

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