BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 ) person shall not furnish any information relating to 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 explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom Can Help Us : Problem : Chase Bank charged excessive fees over a period of XX/XX/XXXX-XX/XX/XXXX * Total Amount of Fees Charged During Period : {$9900.00}. 
Highest Fee Charged in One Month : {$660.00} Two Service Fee Charges in One Month : Many Source : XXXX XXXX XXXX Chase Bank Statements * NOTE : I was extremely ill for a long time when these charges were happening or I would have addressed them at that time. My illness led to my retirement from XXXX and I'm on XXXX XXXX. 

XX/XX/XXXX- As I finally slowly been getting better, I'm questing every significant value that makes no sense in my lifestyle. Given this, I sent a secure message to Chase Bank ( my bank ) expressing my concerns and I was going to get to the bottom of it starting with downloading my online bank statements from XX/XX/XXXX-XX/XX/XXXX. AND I found Chase Bank charged me excessive Cardmember Services Fees. These fees were charged to my personal checking account for my business account, XXXX, XXXX. 
XX/XX/XXXX- Chase said they would forward my message to Chase 's credit card team. I never heard from Chase credit card team until much later when I called them. 
XX/XX/XXXX-XX/XX/XXXX- Chase Bank stalled by demanding my husband or I present the 16-digit credit card number ( s ) for XXXX, XXXX credit card. We didn't have the cards anymore. Chase closed XXXX credit card in XX/XX/XXXX. We shredded our cards. All receipts from my XXXX files showed only the last 4-digits of the credit card number. 
XX/XX/XXXX Finally, I talked to Chase " HQ '' and within 15 minutes I had two 16-digit credit card numbers associated with XXXX business checking account, which Chase did NOT charge fees ; BUT charged excessive fees to my personal checking account. 
XX/XX/XXXX Using Chase secure messages, I provided Chase with XXXX 's 16-digit credit card numbers for my husband and for myself as given to us by Chase " HQ ''. 
XX/XX/XXXX Chase 's secure message response didn't mention the 16-digit credit card numbers, rather they made comments like : They couldn't pay statements older 6 years and they couldn't pay all charges owed, they couldn't ... 
XX/XX/XXXX This is the day my husband and I stopped communicating with Chase and sought guidance from professionals who know how we should proceed from here. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I initiated a balance transfer from my Barclays credit card and received the funds. When I checked the card several weeks later, I found I was over my limit and the cause was I was charged both the balance transfer amount as well as the fee associated with the balance transfer twice. I called Barclays and reported the issue and they found that I was indeed billed twice and it would be 3-5 business days to resolve the issue. After 3 business days, they reported to the credit bureau that my account was over drawn. I called back and spoke to a supervisor and was told that it would now be 6-8 weeks to resolve the issue and when asking about a more direct resolution, I was hung up on. I called back again and was told this was a " known issue '' effecting numerous customers and that the first agent did not put the " proper notations on the ticket that was submitted '' but now that has been submitted correctly. They have no idea how long it will take to fix the issue or remove the incorrect information 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 2023-04-26
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 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.

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 2022-07-16
Company: EQUIFAX, INC.
State: MD
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 XXXX  # 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 a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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:
I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXX XXXX XXXX ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done.

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding inaccuracies and unauthorized inquiries present on my credit report. I believe that my rights, as protected by the Fair Credit Reporting Act ( FCRA ), have been violated by the following creditors : Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXXXXXX XXXX XXXX  Date of Inquiry XXXX XX/XX/XXXX Unauthorized Inquiries : Creditor : XXXX XXXX, XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX Account Number : XXXX Account Issues ( Multiple Violations ) : Creditor : XXXX  Account Number : XXXX These violations directly affect my financial well-being and have caused undue stress and hardship. While I understand that errors can occur, the frequency and severity of these violations have significantly impacted my ability to secure favorable credit terms. This situation has also led to emotional distress and hindered my pursuit of important life goals, such as obtaining a mortgage for a stable home environment. 

I kindly request your intervention to enforce the legal protection afforded to consumers under the FCRA. I urge the creditors mentioned above to investigate and rectify the inaccuracies, unauthorized inquiries, and violations outlined in this letter. Furthermore, I request the removal of the unverified accounts associated with the aforementioned creditors from my credit report. 

I appreciate your prompt attention to this matter and trust that you will ensure that my rights are upheld. Please inform me of the steps you take and the resolution reached. I can be reached at [ your email address ] or [ your phone number ] for any communication related to this dispute. 

Thank you for your assistance. 

Sincerely, 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 explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to dispute the account referenced as XXXX XXXX thats is stating the account was opened on XX/XX/XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please see attached the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this company. As an XXXX XXXX serviceman whom was in delopyed international from XX/XX/XXXX to XX/XX/XXXX. Although I was in the united states on XX/XX/XXXX I was not in the state of Texas to open any loans. I have attached a letter from the United states military stating my identity was compromised. So I ask again how was this debut vaildated.When the SCRA ( All XXXX XXXX servicemembers are protected under the Servicemembers Civil Relief Act ) If your military service " materially affects '' your ability to make the payments on time the military service the seller can not repossess the item, take you to court, or make any bad credit reports on your contract without a court order. What court order did XXXX provide as proof of request to get payment for said account.

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 2019-04-13
Company: SELECT PORTFOLIO SERVICING, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We were paying Homeowner 's insurance on the property at XXXX XXXX XXXX XXXX FLXXXX.Through an insurance broker XXXX XXXX  XXXX located at XXXX XXXX XXXX , XXXX Fl XXXX . 
Our mortgage company usually send this check to them, as of today we have never been notified by any source that our insurance has been canceled verbally nor in writing, that we no longer have home owners insurance and needed to get temporary or permanent insurance for our home. 
I returned home from my regular job as an XXXX XXXX XXXX XXXX XXXX ( 48 states ) to find a huge leak in my front room which was caused by a 2feet 6inches oak tree I also have leaks at the side of the house on the roof and at the back of the house. 
Immediately I cut down the tree with a chainsaw and i placed a tarpaulin on top of the roof but the roof is still leaking. 
I contacted XXXX XXXX XXXX via phone ( XXXX ) XXXX, and spoke with Miss XXXX XXXX on Monday XX/XX/2019 who gived me the run around.She told me their company were closed and I needed to contact my mortgage company. 
I contacted my mortgage company Select Portfolio Servicing , Inc who was cooperative they send me a copy of check number XXXX that the insurance broker cashed. 
Presently we are still paying insurance on our mortgage we did some research on the internet finding out possible insurance companies that this broker XXXX XXXX XXXX were working with or is working with, one of them have in their records a policy number XXXX the same number that our mortgage company have in their file. 
We are not sure if XXXX XXXX XXXX were cashing the checks and paying it to a different insurance company or if they were holding the money for themselves. 
I was told by that insurance company ( who I can not recall ) that I no longer have a policy with them, hence, we are not sure which insurance company we are insured with, what we do know is we are paying XXXX XXXX XXXX and they are responsible to pay our claim also Select Portfolio Servicing, paid XXXX XXXX   XXXX without having proper proof, evidence or declaration of insurance coverage. 
Please investigate Thanks in Advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: GA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was double charged on my account for all transactions I have made since XX/XX/XXXX using my debit card on https : //www.coinbase.com/ - I have attempted to contact customer support but they are extremely hard to contact, and I haven't been able to speak to anyone. I sent in a ticket already but I need this resolved ASAP.

These duplicated charges all occurred yesterday ( XX/XX/XXXX ), I will leave a list below of the transactions.

My initial purchases were debited from my account on : XX/XX/XXXX - {$500.00} International Service Fee Assessed {$4.00} on {$500.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$4.00} XX/XX/XXXX - {$300.00} International Service Fee Assessed {$2.00} on {$300.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$2.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX  at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$3.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$3.00} - These are the duplicate charges : XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$300.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$500.00} Please let me know anything else you need, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
At the end of XX/XX/2022, Comenity Bank apparently went through some kind of system update. Since that time I have not been able to use my XXXX XXXX. I have called and spoken to different reps who tell me they arent sure when my card will be able to be used. Ive messaged them privately on their XXXX page and commented publicly on the page - and continue to get the same automated response. Anytime I try to use the card it gets declined and I get a text that says declined for user lock control. I have never locked my card and when I check the account online it says the card is unlocked. I tried to make an online purchase at loft.com by giving the rep my card via live chat, and even they couldnt figure it out and I had to use another card ( where I wont get any rewards points because that is the whole point of using the store credit card in the first place ). If you look at Comenitys social media youll see that hundreds of customers are having the same problem. This is going on over 2 weeks now with no information about when this will be fixed and customers are not being updated at all! I work in the financial industry myself so I know this is unacceptable to not notify your customers of a system wide problem or be accessible to provide real answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, also states 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 2017-05-31
Company: EQUIFAX, INC.
State: OH
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:
On  XXXX   XXXX   XXXX   XXXX  through  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  AZ  XXXX  reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. I Remembered that I was employed by  XXXX  on  XXXX / XXXX /  XXXX   as an  XXXX   XXXX  until  XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers to  XXXX   XXXX  who was my immediate supervisor.When I became aware of this information on my credit report, I reported to Equifax about the in accuracy of the report.  XXXX  have never contacted me about any debt after I have separated from them. I want this inaccurate information remove from my account.

Company response to consumer: Closed with explanation