BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent my first letter on XX/XX/2022 to investigate the followingXXXX  XXXX  # XXXX Please verify this account. 
XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX  # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 

Also to remove a in accurate address on my credit reportXXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XX/XX/2022 requesting the same thing with no reply from the bureaus.

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 2021-07-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.

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 2023-09-26
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited XXXX into a XXXX at Chase Bank in XXXX, at an expected interest rate of 3.92 %, accrued over 6 months on XX/XX/23 through XX/XX/23. When I went to manage the capital and interest gained over this time- during the 10 day grace period ( after the maturity date ) - I was shown only half of the nearly {$1200.00} of interest gained was in the account in an amount of {$590.00}, despite being told ( including in writing ) that the account 's interest rate would be 3.92 %. Six months is the minimum amount of time you can have a CD for and if the % rate is half that ( 1.96 % ) over a 6 month term, it was never brought to my attention, or advertised anywhere, but 3.92 % was. The business practice is misleading at best and theft at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address reported was never an address of mines, in addition I never gave Santander any written consent to share any of my personal information with any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I am receiving numerous emails from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX PST stating that I owe money to a company called XXXX XXXX XXXX XXXX XXXX  XXXX 

I have no knowledge of any of these companies, do not owe any money to such company and this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX, XXXX, and TRANSUNION are require to remove any items which were opened without my knowledge, consent or authority. This complaint is to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX : {$470.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
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:
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 2022-07-19
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX 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 2021-07-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
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: Information belongs to someone else

Complaint:
OnXX/XX/XXXX, I received a credit monitoring alert that " XXXX XXXX XXXX '' had posted a collection to my Trans Union credit report. I called the number listed on my credit report but was unable to reach anyone. 

The presence of this account on my credit report is false and misleading. I would like it removed.

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 2023-09-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When logging into XXXX online or on a mobile app, there is a prompt that forces you to accept new conditions, otherwise you can not login to use any online services. 

There was no warning of this change of terms allowing time to read and understand them before they came into effect. I am instantly, without notice, locked out from accessing any of my account features unless I accept the new terms. 

The new terms are specifically two documents : - a 10-page " Online and Mobile E-Sign Disclosure and Consent Agreement '' and - a 125-page " Digital Services Agreement '' There is no summary of changes to know what is different compared to before. 

Having all services effectively withdrawn from customers without notice pending acceptance of XXXX complex pages of legally binding documents is outrageous and should not be legal behavior. 

Clearly the expectation is for everybody to just blindly accept the terms. 

I understand that this is not limited to Chase credit cards but Chase banking products/customers as well. See the following for additional impacted consumers : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-03
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Apple keeps sending me constant emails for their Apple Credit Card and does not give an option to unsubscribe from just their Credit Card offers. I'm tired of receiving these emails especially since they are sent almost twice a week. I have no interest in signing up for their Credit Card but would still like to receive other Apple emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Despite my previous 2 written requests, the unverified items on the attached doc remain on my credit report are in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.

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 2018-11-22
Company: CITIBANK, N.A.
State: CA
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:
Hello, I signed up for the Citi Double Cash card on XX/XX/XXXX. The promotional offer at the time was for a {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of opening the card. I called multiple times to confirm that the bonus was available and was told over the phone that it was available. The week of and the week after I signed up, as well as in Mid-XXXX and twice in XX/XX/XXXX on 1XX/XX/XXXX and XX/XX/XXXX. I have met the minimum spend amount and am expecting the bonus but was told now that the sign up bonus was not applicable to my account. I have a screenshot of the bonus offer if needed. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: IN
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 received a notice from Experian saying my credit went down. Checked and it said I took out a loan from XXXX XXXX. for XXXX and was late paying. I never heard of XXXX I have no account with them and have never taking a loan with them. I contacted XXXX and they said they couldn't find any account I had with them, contact Experian.

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 2022-07-19
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 submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : EXPERIAN XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2020-01-31
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/XXXX. 
Opened an account at SunTrust Bank in XXXX, XXXX. using a {$5000.00} cashier check written on XX/XX/XXXX from our XXXX XXXX XXXX   account in XXXX, XXXX. Was told the account was opened and given over the counter checks, ordered checks and ATM debit cards. 

Week of XX/XX/XXXX Went to the drive through window at bank to deposit checks into the newly opened SunTrust account. Was told to park the car and come inside bank due to a red flag! Once inside bank was told that there was a legal problem and was being sent to the fraud department and that the account had been closed. No explanation was given about why the account ended up in fraud department but we would receive a letter of explanation within 15 days. 

Weeks of XX/XX/XXXX to XX/XX/XXXX Many trips to Suntrust Bank to talk to management about an explanation for closed account, where our {$5000.00} was and when the money would be returned. NO ONE in the bank could answer any questions nor could they get any answers by calling the fraud department themselves. We were told it was in PROCESS with no date of money being returned. 

XX/XX/XXXX Received 1st letter from SunTrust bank with no explanation and only stated that we would have to make alternative arrangements for banking needs. We were given a number to call to get more answers. 1-800-suntrust. After numerous calls over the last 2 months all we are told is it is in process. 

XX/XX/XXXX Second letter from SunTrust stating fraud department reviewed the status of the funds and they were still trying to determine if the funds should be returned and a check would be received in 15 days. 

XX/XX/XXXX XXXX XXXX XXXX sent letter of reclamation and copy of cleared cashiers check, per SunTrust request. 

Week of XX/XX/XXXX SunTrust confirmed they received the necessary documents. And again we get its in process XX/XX/XXXX It has now been two months and we still have no answers nor have we been refunded our {$5000.00}. We have contacted management at XXXX XXXX XXXX in XXXX and were told the cashier check had cleared through SunTrust and we were sent a copy of the cleared check. 

We are in our late XXXX  and live on a small fixed income. We have moved to XXXX to live with our daughter and this has been an absolute nightmare!

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