BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, Citizen 's Bank and their financial lender, XXXX, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with XXXX ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
auto loan is showing incorrect on all bureaus! credit report has not been accurate for months, have given chances to amend CFPB corrected the report but bureaus unlawfully changed payments back to late!! immunizing upon my rights and Im seeking compensation financially and emotional and mental strain has caused XXXX XXXX! please fix this back this is destroying my life!! 

pictures added of incorrect payment status differing on each bureau!!

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. 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 XXXX 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 2023-09-10
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
company still making harassing collection calls and not accepting terms of the XXXX XXXX XXXX. payments.

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 2023-08-24
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:
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 ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT NUMBER Starting in : XXXX has 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
auto loan is showing incorrect on all bureaus! credit report has not been accurate for months, have given chances to amend CFPB corrected the report but bureaus unlawfully changed payments back to late!! immunizing upon my rights and Im seeking compensation financially and emotional and mental strain has caused suicidal intentions! please fix this back this is destroying my life!! 

pictures added of incorrect payment status differing on each bureau!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Chase XXXX credit card well within the promotional period to where if I got approved, I would get a companion ticket every time I bought a ticket for myself, and they didnt process that application in a timely manner and when I reapplied it was outside of the promotional application timeframe, and even though the first application was submitted in a timely manner, they wont honor giving me the advertised perk of getting a free airline ticket for a companion. And I have an email confirming that they received my application within the promotional application period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: FL
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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-05
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: Was not notified of investigation status or results

Complaint:
This is my third time asking for an investigation of a bankruptcy reporting on my credit report. All three credit companies XXXX XXXX, Equifax, and XXXX have said that the data furnisher The United States Bankruptcy Court have reported the bankruptcy when they do not report to the credit bureaus. This is an unfair act and they deliberately lied about the re investigation. I feel as though this should be removed from my credit report for false responses and negligence on the bureaus behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
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.

Account number : # XXXX  Has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A. It also states consumer reporting agency can not furnish account without any written instructions 15 U.S.C 1681.c ( 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 the 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 non-monetary relief
Consumer complaint received 2023-03-15
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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My XXXX student loans in the amount of {$170000.00} were paid off in XX/XX/2022 as I am a XXXXXXXX XXXX XXXXXXXX veteran and student loan payoff is one of the advantages to my status. 

I have contacted Transunion three times since XX/XX/2022 in order to update the balance and status of my account. XXXX has reported the new account information to Transunion, I know this because they sent the same updated account information to XXXX and XXXX. XXXX and XXXX are reporting the correct account information on their credit reports. Transunion keeps lying telling me that they have verified with XXXX that my account balance of XXXX is correct. 

Please make Transunion correct the account information on my credit report as the information is preventing me from getting a house.

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 2023-08-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: MD
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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:
You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on 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 non-monetary relief
Consumer complaint received 2021-02-18
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the beginning of XX/XX/XXXX in my XXXX report I did find adverse account. 
The collection company name : Sequium Asset Solutions Inc., # XXXX ( SAS ), located at : XXXX XXXX XXXX, XXXX, GAXXXX, ph. XXXX Collection was placed XX/XX/XXXX, and balance is {$120.00} Original Creditor : XXXX XXXX. 
After my conversation with SAS I got information that the debt was opened under my name and SSN but with address in Texas : XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX I never ever lived in Texas and did not use any service from companies listed above. 
Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My parents attempted to put cash in their grandson 's Chase bank account. They could not because they were not account holders there. They were told to use a cashier check, personal check or money order. None of these allow instant access to cash and/or cost money. This seems like a plot to force people to open chase accounts and not combat money laundering. ( For Pete 's sake there are more efficient ways to launder money through Chase Bank without stepping foot in a branch )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I applied for a PayPal credit account and was denied according to a credit report that indicated I had a Venmo account that has been established and information obtained in a report effected the decision. Not only have I not opened a Venmo account I also have reached out several times to customer support complaining that someone else is using a account with my name on it and using a old cell phone number Ive had in the past to move money and fraudulently use my personal information. Ive asked numerous customer service reps to delete the account my account and stop using my name and because I cant tell them the number associated with the account they wont delete it and somehow either lose connection and hand up mid conversation or never get back to me to follow up with my complaint! I want the account removed VIA MY NAME IMMEDIATELY

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 2023-04-26
Company: Experian Information Solutions 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:
auto loan is showing incorrect on all bureaus! credit report has not been accurate for months, have given chances to amend CFPB corrected the report but bureaus unlawfully changed payments back to late!! immunizing upon my rights and Im seeking compensation financially and emotional and mental strain XXXX XXXX XXXX XXXX  please fix this back this is destroying my life!! 

pictures added of incorrect payment status differing on each bureau!!

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 2016-01-08
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The XXXX XXXX billed the wrong insurance company in my medical file the collection went to Northwest collectors. I called them numerous of times and the XXXX company sent them a statement for them to remove it, they refuse to do so.and they are rude and nasty and hang up in my face. I want them to pay me for pain and suffering and also for hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CHECK INTO CASH INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I don't have the exact date, but around XX/XX/2020, I personally hand delivered a written notification to Check Into Cash at XXXX XXXX XXXX, XXXX XXXX and XXXX I handed it to a male who worked there and advised him that several months earlier I had already verbally requested the business to stop all ACH payments coming out of my checking account. I was now giving them this notification in writing. I had been told several times by this same male and others that to stop an ACH payment was simply a courtesy, that it wasn't mandatory. After I researched the law and saw that I definitely could stop the ACH payments, I then delivered the written notice and told him that he and others had lied to me about me having the right to stop all ACH drafts. This time, since he knew I had researched the law, he agree with me and said he didn't remember telling me that. He agreed that I had the absolute right to stop them. I gave him the notice and left the business. On or about XX/XX/XXXX or XXXX, I put a stop payment on my account just in case Check into Cash continued after my giving them the written notification. On XX/XX/2020, I checked my mobile bank account and noticed that Check into Cash had attempted to withdraw {$1000.00} from my account. I called my back to make sure the stop payment was in effect. I was told it was, and on XX/XX/2020 the money was put back in my account due to the stop payment. My complaint is that first of all, they told me more than once they were just providing me a courtesy by suspending ACH payments, and two, after me giving written notification to permanently stop all ACH payments, on XX/XX/XXXX, had the audacity to try it again against my will and without my consent.

Company response to consumer: Closed with monetary relief