BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE CONTACTED XXXX XXXX XXXX   SEVERAL TIME 'S AND EXPRESSED THAT I WAS A VICTIM OF ID THEFT AND I HAD FOLLOWED ALL THE GUIDE LINES SET FORWARD BY THE FCRA 623A, BUT MY VOICE AND LETTERS RING HOLLOW.THIS COMPANY IS VIOLATING ALL MY RIGHTS CONSUMER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: ALLIANT CREDIT UNION
State: IL
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 paid the {$99.00} annual fee earlier this year to Alliant Credit Union which should have been valid through XX/XX/2022. With the annual fee, the card was supposed to provide 2.5 % cash back with no restrictions. 

I received an email this week from Alliant stating that they are changing the terms of the card ( they did not provide 45 days notice ). The new terms are : there will no longer be an annual fee, the card will only produce 1.5 % cash back, to receive 2.5 % I would have to open a savings and a checking account and direct deposit monthly and have a daily balance of {$1000.00}. These restrictions were not in the original agreement. These would take effect in the XXXX billing cycle. 

Alliant used to have a similar card that offered XXXX % back with no annual fee. So these new " features '' are a severe downgrade. 

I contacted Alliant and asked if I would be refunded my annual fee since the card will no longer be giving me 2.5 % back and has many additional restrictions to get more than 1.5 %. They refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: AK
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:
Experian is falsely reporting an account in my name that had been determined opened in error along with the corresponding invoice inquiry. 

XX/XX/2023 I had called the XXXX XXXX XXXX XXXX XXXX department and it was determined this account was not mine and it was opened in error. I have written documentation from the company stating this. They ( XXXX XXXX ) also state that they will request all XXXX bureaus to remove account of XXXX XXXX and inquiry. 


XXXX and XXXX removed the account and inquiries almost XXXX weeks ago. I received notification XX/XX/XXXX that Experian placed the account on my report and kept the inquiry as well. 

I want this removed!!!! We are supposed to be closing on a home in two weeks. If the false reporting messes our closing up I am taking legal action.

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 2022-11-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== 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 XXXX XXXX XXXX. 
XXXX Account XXXX. XXXXdept Of Ed - Other XXXXXXXX XXXX XXXX Bal : {$12000.00} XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX  Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX 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 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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX XXXX XXXX  I asked on XX/XX/2019 I asked to set my account on automatic payment their response was that I could not set it on autopay. Subsequently, my daughter was hospitalized in XXXX and in XXXX my grandmother passed and I was hospitalized due to XXXX XXXX which prevented me from making my payments. I pulled my credit report and XXXX XXXX XXXX reported on my credit that this went into collections and I was not notified in writing as I moved and told them this on XX/XX/2019.

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 2018-02-13
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 have been disputing this debt with XXXX XXXX XXXX XXXX ( XXXX ) with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 (  b ) of the FDCPA. I received a letter stating that this account number XXXX was sold to XXXX XXXX XXXX ( XXXX ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/XXXX and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the deb. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-03-15
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Me and my late wife purchased a new truck together in XX/XX/XXXX. She passed away in XX/XX/XXXX while we were moving from XXXX to XXXX. She was XXXX and did not have a will. Everything went to an estate that I was the administrator to. I had to purchase her half of the truck from the estate and I did. The problem came when I was attempted to register the truck in XXXX. The bank has the estate of [ wife 's name ] on the title. After many conversations with the bank and with the DMV they sent a copy of the title to the XXXX  DMV [ where it was originally titled ] I had to sell it from the estate and myself and re purchase it as myself and then the DMV sent it back to the bank. They said it would remove her from the account. My XXXX registration expired XX/XX/XXXX. I have not been able to drive the truck, register, or even sell the truck because it shows estate of on the title. I communicated with the bank and they said they will not be able to remove her from the account. I have audio recording of them saying this. I informed them without being able to use the truck I can't make money with it. I do long haul pick up and drop offs for a friend farm. I informed them that I was not able to pay if I can't use the truck. They gave me one one month extension but that was it. They just repossessed the truck. When at the dmv I had the person there talk with the bank over the phone. This is not an exaggeration, the DMV was banging there heads on the table because of this. This bank made a difficult situation with the passing of my wife into a nightmare. Please can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CMG MORTGAGE, INC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I appled for help in XXXX. I had just learned about the XXXX  assistance programs my company offers. I need to lower my payment and skip payments until I feel better and can work. I uploaded all the documents they requested on time. They denied me for any assistance. I am very sick. I must avoid foreclosure. Please help. 


The website for CMG Financial XXXX XXXX is very hard ti navigate and doesn't work most of the time. I also can't get anyone on the phone. They call me with a recorded message to call them. I call, and the line hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2022-11-10
Company: EQUIFAX, INC.
State: MO
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:
In Accordance to the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX used deceptive sales practices to coerce a purchase from me of a timeshare membership. It was NOT Real Estate. It was a membership to use vacation facilities. I approached XXXX with a formal legal contract dispute and affidavit placing the membership under dispute and asking for the contract to be nullified due to verbal misrepresentation and material devaluing. XXXX did cancel the timeshare but under the rules of the Fair Credit Reporting Act, they illegally damaged our credit on Experian. Instead of marking the account disputed or erasing the fraudulently induced purchase from our record completely, they have marked the account as volunteer surrender which has astronomically lowered our score and we have been unable to qualify for a home loan. We have approached XXXX and they have refused to change it. We went through the legal credit dispute process with Experian, but they refuse to investigate our concerns appropriately or thoroughly and instead they sided with XXXX verification and left the derogatory marks on our credit reports.

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 2021-06-26
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I signed up for a service called XXXX  through XXXX. XXXX is a service through Transunion that matches renters to the properties that are within their credit and/or income range. I paid for the service and got my score, which XXXX refers to as an algorithm ranging from XXXX to XXXX, but stated it is not a XXXX XXXX. They stated that it differs from a credit score because it does not count medical bills nor student loans. 
My problem with this is my Transunion credit score is XXXX and my XXXX score is XXXX. With that being said, I asked why the XXXX score was lower than XXXX, rather than higher. It also took several times for XXXX to correctly verify my identity. I enquired if that could have caused a mix-up, and that this would cause a potential problem when trying to rent. I was told that the system calculates the score and there's nothing that can be done. The ability to rent a home is very important and systems can have glitches as well. It seems as if Transunion is not willing to even look into this even though it may not be accurately scoring consumers and could potentially cause them problems when trying to rent a home.

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 2018-08-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Chase-JP Morgan Freedom credit card. Since XX/XX/XXXX there has been a XXXX balance on my card. On XX/XX/XXXX Chase withdrew {$620.00} from my local bank checking account and assigned payment to my Chase credit card - again it had a XXXX balance. I spotted their larcenous action and visited my local bank to stop payment. My local bank did not issue the payment to Chase. I also called Chase to explain what happen. After many conversations and departments, I was told that Chase had an internal problem and " it was wide-spread and they are working on the problem ''. I asked if anybody was going to contact me or if a particular person was assigned to speak with consumers that have this issue. I was told " No ''. They did research my account when I was speaking to them and discovered that the {$620.00} was an exact payment that I made in XX/XX/XXXX to pay my credit card balance. I paid the XX/XX/XXXX payment with a physical check that I mailed to them. How was Chase able to access my banking information in XX/XX/XXXX from a physical check that I mailed in XX/XX/XXXX? I believe that they violated a breach with my banking data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX sent inaccurate information to credit bureaus. They reported account was closed and charged off. This inaccurate information also negatively affected my credit, to the point where I was denied an auto loan after a vehicle was totaled as a result of the adverse information which they reported to the bureaus. Which affected me by not being able to replace that vehicle. XXXX XXXX knows they are wrong, There are numerous consumer lawsuits, A class action suit settled recently against them. Truth in lending violations in my contract, as well as predatory lending tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX, Venmo unexpectedly suspended my personal use account. I never received an email that is supposed to correct the issue. The next day, I called staff and was told they could not resolve the issue. Additionally, I was told : - They could not explain why the suspension occurred - It would take at minimum 5-7 business days to perform a review- I could not speak to the team in charge of account reviews ( they only operate via email ) - To look for an email to correct the issue ( as of XXXX at XXXX XXXX  est, I have not received this email either ) - When I asked to speak with escalated care, the company put me on hold with no updates on the wait time. It leads me to believe the company had no intention of escalating the matter and is leaving me on hold until I get tired and hang up. 

After 45 minutes of being on hold, I opted to file claims with Consumer Finance as well as the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I disagree with Transunion, because I notified all proper parties that I am a victim of identity theft. Transunion responded that they verified a fraudulent account on my credit report. I would like to know how a fraudulent account can be verified. How was it verified and when.

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 2022-02-10
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I made a deposit of {$7000.00} from a sale of a motorcycle via mobile deposit with U.S. Bank. On XX/XX/XXXX, I was notified via email that the deposit was accepted and they released {$220.00} of those funds, pending verification of those fund. I checked my online banking account to verify that the {$220.00} was there and it was. The available balance was near {$0.00} at that time so any transactions would have been declined as I did not set up overdraft protection. I went out to eat and there was a second purchase that went through and mostly took from that {$220.00}. On XX/XX/XXXX, I noticed my account was negative. I went in to look at details and found that the {$220.00} was removed and I was charge overdrafts for my two transactions. After working with the bank via phone, they said that the check needed further security checks and had to wait XXXX business days. They could not explain why {$220.00} was released as they did not see it. On XX/XX/XXXX, I explained what happened and was basically told that I was lying as there is no evidence of the {$220.00} ever being released. I explained if that {$220.00} was not there, that my two transactions would have been declined. I closed the account because I feel I was extorted for those two overdraft fees and an additional extended overdraft fee because of those as well as making me look like I was lying as there was no evidence outside of my email, that says there was {$220.00} released from that deposit. Unfortunately, the only evidence I have is of the email, because I do not think to take a screen shot of every bank transaction and would not know that the bank would remove evidence of releasing such funds, they made the funds release look like it never occurred.

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