BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-07-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
CERTIFIED LETTERS WERE MAILED AND RECEIVED BY AGENY ON XXXX AND AGENCY FAILED TO MARK THE ACCOUNTS AS BEING DISPUTED BY CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: MO
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 rewards from credit card

Complaint:
I signed up for an Aeroplan Chase Credit card in XX/XX/2023. 

The card came with a sign-up bonus of XXXX points after I met the spend criteria of {$4000.00} on purchases in the first three months from account opening. 

I was able to meet the criteria by XX/XX/2023 and was eligible for the sign-up bonus. 

Chase issued the bonus and transferred the points to my Aeroplan account with XXXX XXXX. However unbeknownst to me, Aeroplan had a block on my account which prevented the points from being reflected on my account. 

After much back and forth with the compliance department at Aeroplan, the block was lifted in XX/XX/2023 and there were points that were successfully transferred from Chase to Aeroplan in XXXX. 

However all the preexisting points ( including the XXXX bonus points ) have never been credited to me. I have contacted Chase and Aeroplan several times on this matter and the issue remains unresolved. Aeroplan representatives have told me that Chase needs to " regenerate '' those point transfer requests from prior to XX/XX/2023 but Chase has not been able or willing to do that. 

I have sent them multiple messages ( please see attached documents ) on this matter. 

In addition, I have spent cumulatively over 5 hours on the phone trying to rectify this situation and have not gotten anywhere. 

I would like to request the CFPB to advocate on my behalf. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
these guys are spoofing numbers from my phone so it looks like my contacts. I wont give them my information they call 3-4 times all from contacts in my phone i call my friends back they have no clue what I'm talking about. 
I live in Texas Thier website doesn't have credentials and licensing according to their website to practice in Texas https : //rauschsturm.com/ Rausch Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-11-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2018-12-18
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I NEVER had an American Express Account ending in XXXX. I do NOT owe American Express any money. The Account Balance is XXXX. American Express has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that American Express has sent after me. I wrote to XXXX XXXX XXXX, explained that American Express Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

American Express just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Talk to a Representative with a credit card company and explain to them that I never own a credit card through them and not even sign with them. 4 year later I am finding out that I got a garnishment with them to pay a debt, I am very confused by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Marcus Goldman Sachs closed my account and is delaying funds being transferred back to external accounts they finally returned XXXX to XXXX account but have not returned funds to XXXX account they are stating they can not return transferred funds from the account cause XXXX  is not a bank but they were able to receive the funds. They stated XXXX would have to put claim in for funds XXXX response is there wsd no errors made and Marcus Goldman Sachs can transfer funds back into account. MARCUS GOLDMAN SACHS WILL RESPOND ACCOUNT WAS CLOSED AND REQUEST COMPLAINT BE CLOSED BUT THEY WONT RETURN THE REMAINING FUNDS BACK INTO XXXX  ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
a secondary agency reported a bankruptcy to my Transunion credit report. 
this agency was notified that I did not consent to personal financial records being divulge to secondary agencies. 

There is a privacy law that states that finanacial records have to be given consent or have a disclosure to the specific party involved. I have stated this numerous times and have been ignored multiple times. law was listed below and this is federal law that is being broken as well as consumer law he Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies

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 2021-05-11
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never done business or heard of this company and DO NOT owe them anything. I thought consumers have rights to. I never received anything from this company notifying me of this, providing me evidence this is mine or even what this is for.

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 2021-09-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few accounts and inquiries on my report I do not recognize

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX opened fraudulently on XX/XX/2016 balance of {$320.00}

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 2020-10-10
Company: SYNCHRONY FINANCIAL
State: ND
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:
My synchrony card for XXXX XXXX had brought down my credit limit from XXXX to XXXX. I owed XXXX at the time they did this. One week later my promotional Purchase ended which resulted in a fee of over XXXX dollars and now has put me over the limit. I have one other promotional fee on this account and that ends in 60 days so I  know that there will be a large fee from that also. So my Credit report will show I am over the limit on this card. It will take me a while to pay down XXXX and this will sit on there for a while. 

I also think the fees on each purchase is very high. 

Thank you 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 monetary relief
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-08-10
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I recently bought my car at the end of my lease with Ally. The buyout amount was {$19000.00}. I took out an auto loan with my credit union for {$20000.00}. A check for {$20000.00} from my credit union was mailed by me and received by Ally on XX/XX/2021. Since then, I have not received the title of my car for me to send to my credit union, nor have I received a refund for the overpayment of {$1200.00}. I have contacted Ally 's lease-end department several times and have been told that the 'buyout department ' is slow to respond and is not responsive to their colleague 's attempts to reach out. I made it clear that filing a complaint with the CFPB was my next course of action.

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 2019-08-09
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage modification denied. VA representative was told the mortgage servicer stated I make too much money and is forcing me on a forbearance plan at almost double my normal mortgage payment. My normal mortgage payment is {$1800.00} and the forbearance plan offered is for {$3000.00} for 12 months. I make approximately {$4500.00} a month on average with my VA XXXX income included. Their underwriter obviously does not know how to calculate income. I have notified Senator XXXX and Congressman XXXX office of the violations as well. This has been going on for over 8 months now and they have been charging me unreasonable fees with people showing up to my front door asking me if I need their phone number. This is on top of them calling me virtually every day harassing me to make the {$3000.00} payment which I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: UT
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:
When I recently pulled my three credit reports, nearly all of my credit history is completely missing. There are only 4-5 somewhat recent accounts and everything else in all three reports is absent going back to approximately XXXX, when I turned XXXX. 

The addresses associated with where I have lived also have problems dating back to approximately XXXX. The addresses are mostly correct, however, there are duplicate addresses which are listed as single family residences when the address is an apartment complex. 

Also, the name they have listed is not my given birth name. They have my name as " XXXX XXXX XXXX '' when my actual birth name is " XXXX XXXX XXXX XXXX '' All three credit reports are attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing in regards to this account still showing on my credit report- Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX Pursuant to 15 USC 1681b , I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Credit Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instructions to whom it relates.

My character was defamed, my character, my reputation, my worthiness, capacity, and mode of living, has been destroyed.

All of these violations are a direct violation of 15 USC 1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18 USC 1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability and i demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on the right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all of your systems immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Ashton & Weinberg, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX I received a phone call from number XXXX. Unfortunately I did not catch the mans name but he stayed he was calling from a law firm about a debt. Without any provocation from me, the man stated that I was XXXX XXXX That I was a XXXX XXXX for not paying my debt. How is this able to happen? No one should be allowed to talk to anyone like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX CARD. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX CARD at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.

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 2019-08-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX XXXX. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX XXXX at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NJ
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 send in a dispute request for all 3 credit bureaus ( XXXX  Experian XXXX XXXX ) to update the XXXX balance to XXXX} or remove the account as the XXXX   sent me a 1099-C to pay taxes on the debt that was owed/ XXXX verified the balance that issued in my 1099-C form on XXXX XXXX when the issued a cancellation of debt let to me back XX/XX/2018.

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 2023-10-16
Company: EQUIFAX, INC.
State: AL
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief