BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-28
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 information incorrect

Complaint:
Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and Transunion. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 2023-08-28
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I waited for the IRS to deposit stimulus payments by direct deposit into my account and they did not arrive after months of waiting for them. When I asked for bank statements they refused to give them to me. My CPA advised me today that the payments were deposited to my account with RBFCU XXXX which was the financial institution that I was using at that time and that was several years ago. 
I did not receive the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 2015-12-02
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Issue: Late fee

Complaint:
I started using a new card with American Express called the Every Day card. I have been using their gold card since 2001 and paid on time. I always pay my bills at the first of the month and assumed that would be the due date for this card. Yesterday when I went online to make the payment, I noticed the due date had been on XXXX XXXX instead of XXXX XXXX. I had been charged a {$27.00} late fee. I called the company and requested the fee be waived. They denied my request. I believe this request is reasonable and American Express has always been great to work with in the past on billing disputes etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
The amount of the down payment I gave was {$2000.00} I asked for my money back the car do not drive for my young daughter endanger her cut off in the middle of the streets. No XXXX was giving on this car I had to buy it from XXXX and I was told from XXXX XXXX XXXX  it's a good reliable driving car all tire light pop on gotten that fixed at XXXX XXXX car windows don't roll down wind shield wiper fluid Don't come out the hose to wash the windows. Check engines light comes on odeth claim he brought car parts they fixed it wasn't nothing fixed the light came back on the car he say was under warranty that's a lie I had to get my insurance company to tow the car back to the company. The car is a total loss. On my XXXX report I ordered it was in accidents not a drivable car. You did farud you are a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: NC
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$34000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Affirm Holdings, Inc
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information which you should already have a record of. 

I have never done business with your company at all. 

I have attached a copy of the 3rd time of my identity theft affidavit. I refuse to give you a copy of my driver 's license because the person who committed identity theft also had that information as well apparently. I'm not going to send a company that I never did business with my personal information. And I do not have an account to login to with Affirm to submit an dispute because I never had an account with you. Remove this account immediately from my credit profile or there will be consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Credit card or 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:
I received as a gift a {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX Black Hawk Network , Inc ). On XX/XX/2021 I visited the company website at redeem.giftcards.com and successfully assign the dollars to the XXXX restaurant. I was to receive an email, which I never received. I looked in my regular email folder and my spam folder but I didnt find the email. 

I tried using the card at XXXX unsuccessfully. I wanted to file a complaint, but I could not find an email address to do so. The phone number of XXXX on the e-card does not provide any information on how to file a complaint. The website, redeem.giftcards.com reports that the dollars were assigned to a restaurant, but it doesnt indicated which one. 

I have no recourse but to file a complaint with government office of Consumer Finance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23
Company: Marine One Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Loan was paid off on XX/XX/2020 I received the clear title in the mail on XX/XX/2020 Marine One debited {$200.00} from my bank account on XX/XX/2020 I called them on XX/XX/2020, it took 3 calls before anyone would answer the ringing phone. Spoke to XXXX who said it was my responsibility to cancel their scheduled payments. Was not apologetic at all, after I said I didn't like her attitude and wanted a supervisor she changed her tune ( and tone of voice ). Said she would cancel any future payments. I still wanted to speak to her supervisor - after holding for 5 minutes XXXX got on the phone and basically said the same thing. It was our fault that we didn't cancel their autopayments. I ended up disputing the transaction with the bank and now I an reporting their poor business practices here. I don't see how you can do anything but I want to warn others to STAY AWAY from Marine One Corporation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried online and in writing to remove fraud alert and Experian, XXXX and XXXX will not remove them. Im unable to obtain certain security government clearance for jobs.

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 2023-08-30
Company: FinCo Services Inc DBA Current
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Received an unsolicited credit card in mail from Current. Shredded card and did not use the account. Received email today stating that I would be charged an inactivity Fee and Escheatment Fee and a closure fee if we choose to close the account. Checked credit through XXXX and did not see this account. Also froze credit through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX - CARD SERVICE Inquiry : XXXX. XXXX. XXXX + XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX  XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX  Inauiry : XXXX. XXXX XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : 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 2023-08-03
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have contacted this company regarding the vehicle that I financed through them. I tried to resolve the transmission troubles I had by asking Credit Acceptance to help me, but was rejected and told about using my extended warranty plan to take care of the issue. I decided to leave it alone with the financing company. Fast forward to XX/XX/2023. I called in asking what can be done now that the vehicle was no longer operating. I was given options and was told that someone would call me that Friday to discussion the options in further detail. By that evening, my van was towed. 

At first it was a mystery that left me awake all night wondering what happened. When I called Credit Acceptance, the rep stated that someone called them stating that my vehicle was abandoned and that they had to secure the vehicle or it would be impounded. I asked the rep who did it and I was told that she could not give me that information. I asked if the letter that being mailed out reflect the call and the person who made the call and received no response. 

I decided to contact everyone involved in this mystery. Unfortunately, I have not gotten any closer to an answer and I am still without a vehicle. This event caused me to possibly lose out on holding XXXX accountable for causing the vehicle to be inoperable. I nor the sheriffs office can get Credit Acceptance to answer questions. On top of that, Credit Acceptance sent me a certified letter stating that my van was repoed due to non-payment, but when I ask the rep about this, I was told that my account was not in repo status due to non payment. When I ask for a letter to reflect that, I am told that they cant do that. 

Instead of me receiving help from them, I have been bombarded by daily calls asking me to pay and retrieve the van. When I ask why are you calling me to pay, but you cant alert me when my van is reported abandoned?, I get stumbles and stutters. I want this matter to be resolved. I originally filed a complaint through the attorney generals office, but the complaint was forwarded to CFPB.

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
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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 & Equifax you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported balance is {$17000.00} but Equifax I reported balance is {$15000.00} also Highest balance that is being reported buy XXXX is {$30000.00} but my Equifax Highest balance is XXXX so why are these two reports are different if you all get the same reporting from XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Approximately XX/XX/XXXX I requested my Credit Reports from the 3 credit bureaus and found a Discover account that I did not apply for and have never used. I immediately requested a 'Fraud Alert ' be placed on file.

As I continued to research my Credit Report I found glaring discrepancies that I reported to the bureaus and the Fraud Department of Discover.

- The Discover Card was opened in XX/XX/XXXX - {$810.00} was charged and the account is more than 120 days delinquent -The account was turned over to a 3rd Party Collections that continuously called my cell # -The report shows that the Discover application was opened under a false address that I have NEVER lived at and the date of this Address Information has a date of XX/XX/XXXX. 
The thief 's put " Unknown '' as employment. I am an educator and have NEVER not known my employment type. 

I have been waiting for Discover to investigate this manner and report the fraud to the 3 credit bureaus to REMOVE Discover from my report and they have failed to do that.

In the 'Fraud Department ' there seems to be one supervisor in charge of communicating decisions when I call for updates and depending on the time of day in a different time zone than where I live I can not get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: GREAT LAKES
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:
XXXX XXXX, XXXX, XXXX and Greatlakes reporting loan payments 60-120 days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
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.

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 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Back in XXXX of XXXX I was charged {$59.00} for a specific product that was greatly different than what I ordered. I filed a claim with my credit card company ( Bank of America ) who ultimately closed it out in the merchants favor. The merchant stated they would refund my money and haven't done so yet so I told this to Bank of America and they stated to fax in the documents and write my claim number on the fax and they would re-open the claim. I have faxed in my paperwork twice and they have not reopened the claim and I can not get anyone one the phone to actually help me with this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: AL
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:
15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXXXXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation