BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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:
I am pleading to have my goodwill request fulfilled. I have been an over 3 decade long customer of XXXX and hold many assets. XXXX stated to me that they do not submit anything in goodWill. This is outrageous. I am elderly and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX XXXX. To make them aware of my situation but yet they still reported me late. Please remove the lates on my XXXX  account out of goodwill please.

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 2018-07-20
Company: The Bureaus, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
{$1700.00} someone use the card and been using it and paying the bill.I contact the company and my stuff was sent over to the credit reporting agency and to a collection department .I would like to get this off, I spoke with them and they said this account should be deleted due to fraud .i had papers and all.here s the  company THE BUREAUS INC XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern, On XX/XX/XXXX I purchased music festival tickets to XXXX XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX in XXXX, Florida. With this purchase was an add-on for ticket insurance in the case that you could not make the festival. The merchant was XXXX. The total cost of the ticket was {$270.00} with {$20.00} being the add-on for ticket insurance. The music festival was set to take place on XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX, a family member suffered a medical emergency and within the terms of the insurance policy I enacted a claim and was assured that my claim would be accepted and I would be refunded the full price, minus the {$20.00} for the add-on fee. After submitting the appropriate documents my claim was accepted and I was told that a refund would be processed and issued within 7-10 business days and if a refund was not present that I was to contact my financial institution to initiate a chargeback. The refund was to be labeled in the same manner as the initial charge was. 

Attached to this letter is the insurance policy which outlines the validity of my claim, the correspondence that says my claim was received, processed, and accepted as well as the communication that I should contact Chase Bank to initiate a chargeback. 

After sending the documents to Chase, they have refused to credit my account back the money and keep telling me they have to wait for the merchant in order to resolve this, but they did not wait for me when they took the money back. I have called Chase Bank over 7 times in the past 30 days to resolve this issue, giving them ample time to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: SYNCHRONY FINANCIAL
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:
My personal information has been stolen, compromised, used and abused. I have been a victim of identity theft for a long time and it is getting out of hand. There has been numerous of credit cards and retail store accounts opened in my name that I have not authorized or giving anyone permission to use. I have contacted companies to inform them about the situations and I have not received feedback. The following companies that I am aware of ar : 1. XXXX Synchrony Back MasterCard for {$5400.00} opened in XXXX 2.Toys R US MasterCard for XXXX opened in XXXX 3.  XXXX XXXX XXXX for XXXX opened in XXXX 4. JCPenny for {$560.00} opened in XXXX 5. XXXX XXXX for {$1200.00} opened in XXXX 6. Care Credit for {$7500.00} opened in XXXX These items are appearing on my credit report and I am asking for them to all be removed. I have contacted these companies and all accounts have been closed. This has been taking a toll on my health, my finances and my household.

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 2023-10-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX : Notified by chase credit card services that I have a pass due credit card balance of over XXXX. I informed them that I did not make those charges. 
XX/XX/XXXX : Notified by chase credit card services again, informed them the charges are fraudulent and Im a victim of identity theft, they submit to fraud department. 
XX/XX/XXXX : Mailed in identity theft report, police report and supporting documents. 
XX/XX/XXXX : Bank continues to harass me with calls and emails of charges that I never made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
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:
I told XXXX, transition and XXXX to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( 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 record of convictions 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 cause to believe that the information is inaccurate.

also they are not in compliance with metro 2 credit reporting.

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 2022-09-08
Company: EQUIFAX, 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 Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion is reporting an account on my tradelines by XXXX XXXX XXXX/XXXX  XXXX. I contacted the number listed and spoke with a representative named XXXX on XX/XX/2019 at XXXX. XXXX told me that they don't have the account and she don't know why it's being reported. There is no reason why this account is being listed on the credit report and there is no file there according to their representatives. I disputed this account with TransUnion who stated they verified the account is accurate. There is no way they could have verified the account when in fact the company told me there is no account there.

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 2022-09-08
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with XXXX Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). 

I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX 1-202f. 

Your prompt attention and response are both, requested and required. 

Account # : XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ally financial has been charging me daily finance charges of {$8.00} per day even though I have made advance payments in 3 to 6  months increments. I have requested a copy of my full contract and continue to receive summary. I even sent my request by way of certified mail. There is another related matter that I submitted a 12 page complaint with the XXXX where the dealership committed fraud to get me in this loan, and to avoid loosing my place of employment that requires good credit history, I am stuck in this fraudulent loan to avoid implications on my credit. Copies are available upon request providing proof of this fact.

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 2019-07-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/2019 I purchased an excursion for shark diving at the XXXX XXXX in XXXX, XXXX for {$870.00}. Someone in the party became sick and we instantly tried to cancel. The resorts response was to only offer 50 % of the purchase price and I did not agree. On XX/XX/XXXX I called Chase to dispute the charge, the rep mistakenly filed it under fraud which I told him it was not. Then I get a call that my card is closing and questions about the charge for {$870.00} and I explained the situation and I advised them the rep put it under fraud but I told him the story I did not tell him anything about fraud. Now my card is closed, I still owe {$870.00} and Chase then adds another charge for {$870.00} on my account in error. I call again XX/XX/XXXX and explain the situation and explain that the card has been closed and the rep mislead me and advised to send a message online saying I would like to dispute the charge. I call again XX/XX/XXXX following up and inquiring why I was charge twice. I was on the phone for 2 hours, transferred between 4 different department supervisor. They attempted to contact the resort with the same result as me and the last supervisor tells me " I can not do anything '' and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I keep trying to get my credit report updated since XXXX from XXXX and Equifax.XXXX  keeps sending documents to Equifax saying that the inquiries are factual when they are not.XXXX  keep sending me letters saying that the information will be updated. I have mad several attempts to communicate with both agencies but they keep jerking my chain. I have an Attorney working on file now since I am not getting no resolution. I was told both agencies mail and verbally on the phone it will take 45 days.It is now going on 120 days without any resolution and CFPB keeps closing out the file when the resolution is not done. I provided all the the necessary documents to Equifax showing that the credit inquiries from XXXX is not factual. This is a last attempt if not filing a Federal Lawsuit for discrimination, harassment, and fraud against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES.BLOCK AND REMOVE THEM. 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 2022-09-08
Company: Experian Information Solutions 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:
Going on two years of trying to get one item corrected that has been verified by everyone but Experian. Experian is not putting any effort into making contact with the credit card company, who has repeatedly stated it is it Experian issue and not theirs. Even with a Experian representative on the phone they would not allow me to put the credit card company on the phone for verification. I have mailed the requested documents. 
This is causing enormous unneeded stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I participated in an offer by Citibank to earn XXXX airline miles by having an account funded with {$50000.00} for a period of 3 months. They do not dispute that i complied with all elements of their offer as presented to me in their mailer. 

They opened a claim XXXX and sent my a copy of a provision they said was contained in their online terms and conditions ( which I have never seen before ) which stated that I needed to keep the account open ( not funded ) as to such a time that they got around to crediting the miles to my account. 

I operated in good faith and complied with the " fine print '' in the offer they sent me. 
Why didn't they add that simple bit of language to the original offer? I would have gladly left the account open a couple months as it had a XXXX balance and was of no consequence to me.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In May of 2023 my account had strady deposits from my paycheck ( Bi-weekly ) and XXXX XXXXXXXX depositing money in my account monthly. Bu the ens of XX/XX/ my bank statements reflected that my account was overdrawn by {$190.00}. In XXXX the company I worked for experienced a dilemma with Pay roll and had to givw us checks instead of the normal Bi-weekly Payroll. This caused me to leave my account overdrawn because I had to quickly pay bills because I usually pay threw my account. In XXXX my company Payroll was fixed and when I tried to have my direct deposit resumed, I was told my account was closed due to being overdrawn by {$97.00}. {$130.00} deposits into my account monthly so I had no worries to deposit any money onto my account. I feel like the reason for my account being closed was not my fault and I would like to continue to have my account due to no fault from myself but due to the payroll issues with my job. I currently still employed and would like to continue to have my direct deposits sent to Capital One because they are a great bank.

Company response to consumer: Closed with explanation