BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
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:
XXXX ceased collection on the account for XXXX XXXX but it still remains on my Transunion credit report. The amount is 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 2023-07-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regard to inaccurate information reporting to my credit reports. I never received any notifications in regard to the investigation results. It now has been 30 days since I filed a 30-day demand to comply with the credit bureaus and still have yet to receive any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Account Number : XXXX, XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting with XXXX XXXX. We lost XXXX last month over and over. Current FA, a fiduciary, has been more driven to other clients. She's been told by us. 'there 's a problem '. Not sure she knows of them. We are short almost to the XXXX the of our house. Pardon, but this realazation jusu hit me right in my head. A throughout investigation of original accounts through XXXX XXXX XXXX XXXX XXXX should be completed. All funds should be returned to our accounts. All fees, fines, taxes, 'Fiduciary ' fees ( managerial fees ) taken should be returned to us. For as much as disappeared, a multiple should be returned. XXXX XXXX XXXX XXXX never put us in I-bonds, fixed-income, or cds. We have never been told what she would invest in, tax harvesting, and nothing but losers. 

We have an outstanding set of lawyers and planners. As, part their services the were keeping transaction and balance as a 'form of 'checks/balances '. They did a superior job until XXXX XXXX XXXX XXXX transactions.

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 2020-04-24
Company: EQUIFAX, INC.
State: NY
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 never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX  NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can't get my free report from TransUnion ServiceCenter. Can't load my consumer statements, Can't initiate a Dispute. Everything I do I get the message " We're unable to complete your request online. '' and I know it's just me because I can do about anything from same computer for my husband. I can't even see my past disputes after many opened.

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 2023-04-25
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:
See the documents attached. 

This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I completed the default resolution program and made all my consecutive payments. When I got a new debit card I call the collection agency numerous times with no call back. I was enrolled in school and just got my title 4 back and was all set to start. Now that my funds are to be released they are not giving me the correct status because they said I missed a payment. I was told multiple times that the only way to pay is through the agency servicing my loan i now found out I could've paid directly after I called. I plan to file suit against both parties for damages and pain and suffering as I have been taking these classes with NO indication that I wouldn't have funding and now the school fully expects me to pay for them. This is not fair and unjust. I have attached my letter showing that I am eligible for funding. I called in XXXX/XXXX/ and XXXX of 2019 trying to update my payment method WITH NO RETURN CALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My husband is in the XXXX and has been XXXX  in XXXX, XXXX and XXXX  in the last 3 year. We originally were in XXXX  and that is where the Bank of America accounts were opened. I have 2 accounts for my minor children, one for my now XXXX year old daughter and XXXX year old son. With all of the address changes we have not been getting statements for quite some time, but I did not think I needed to be concerned because both accounts are not supposed to have monthly fees. I recently got the XX/XX/2019 quarterly statements and my son 's account is being charged {$5.00} per month and the balance is down to {$40.00}. His account originally had more then {$200.00} and we have not made any withdrawals. My daughter 's account has not been charged this monthly fee. I called Bank of America 's customer service number and was told they can not reverse the fees. They also can not explain why 1 account is being charged while the other is not and if I want to talk to someone in person I have to go to XXXX  where I opened the account. We are XXXX  in XXXX  so I can not do that. Customer service also would not do anything to even fix the fee issue going forward. I asked how long have the fees been charged and they could not tell me that either. I also looked on their website for XXXX  savings accounts and there is no fee for {$5.00} listed on their fee schedule. So not only are they taking money from a child, but they are not complying with Truth in Savings by listing all current fees.

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 2023-03-02
Company: EQUIFAX, INC.
State: MA
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 recently obtained a credit report and discovered that the three credit reporting agencies, XXXX, XXXX, and Equifax, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
These past weeks we have moved forward on the closing of my short sale but the second lender SPS has lied and upheld the deal in many ways. On Thursday XXXX our firm called three different times to confirm that we would get out HUD approval and extension approval so we cloud close today XXXX. We were told Friday we would get them by end of the day, then both on Monday and Tuesday had a total number of 7 different calls with 7 different representatives all saying different things. We were lied to many times and it held up the deal. Parties have already paid out money for this deal to close. XXXX XXXX XXXX is battling XXXX and recently lost his mother. SPS has held this deal in limbo for almost three years and now as we are this close to close they hold up and jeopardize the deal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit reporting, credit repair services, 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:
XXXX credit account has not been added to 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 2017-06-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since  XXXX   XXXX ,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 filing a complaint for improper use of credit report. In accordance with the Fair Credit Reporting ACT : these credit reporting agencies Equifax and XXXX has violated my rights. According to USC-15 1681a ( 2 ) ( 1 ) under exclusions - this is illegal and they may not treat a payment late for any purpose ie. document PAYMENTS as late creditors can't make THIS claim. Also 15-USC-1681 Sec- 602 states " I have a right to privacy '' and 15-USC 1681 sec 604a ( 3 ) - a consumer reporting agency can't furnish a consumer report to a user unless there is a permissible purpose and my written instruction. To to do is in direct violation with 15-USC 1681 SEC.604 ( f ). Prohibits any person from obtaining a consumer report from a consumer. These accounts are in direct correlation with the aforementioned FCRA codes that have been violated. This has happened with my 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 2022-09-14
Company: ERC
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:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Enhanced Recovery Co L and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Credit Karma, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit karma repeatedly gave me approvals and had me apply for cards then affecting my credit score. They would say I was approved for loans then transfer me to Al these different sites followed by continuing harassment from multiple loan companies connected to their sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: SIMM Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
So, these XXXX contacted me about a debt. They wouldn't tell me the name of the company without confirming my personal information. I don't do that over the phone so the lady hung up. I get a letter FORWARDED ( because they don't have the right address ) today about it being from XXXX XXXX. Now, I vaguely remember this place trying to corral a bunch of people to take some sort of online classes for sneakerheads YEARS ago and I never agreed to enroll in anything. They emailed a bunch of mess and I deleted everything. I never attended a XXXX class or agreed to pay for anything. Therefore, I don't owe SIMM Associates or XXXXXXXX XXXX a XXXX. Stop harassing me. 

I even attached a screenshot of an email of them begging me to apply. Stop playing with me, SIMM ASSOCIATES. You not fooling people with your fake XXXX XXXX rating but over XXXX complaints with XXXX star reviews and stories off XXXX harassing people who are NOT the debtor you seek. Your XXXX rating needs to be an XXXX, right along with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: SYNCHRONY FINANCIAL
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:
I am the author of this complaint. I checked my credit report and saw that an account from SYNCB/CARECREDIT was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX XXXX to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. 

SYNCB/CARECREDIT has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
IN MID XXXX I TRIED TO START AN INVESTIGATION ON MY NEIMAN MARCUS CREDIT CARD ACCOUNT. I WAS GIVEN THE RUN AROUND AND MISS INFORMATION FOR A WEEK. I FINALLY SPOKE WITH XXXX IN THE CREDIT DEPT WHO TOLD ME TO OVERNIGHT A LETTER TO XXXX AT XXXX. XXXX XXXX, XXXX, TX XXXX. THE LEETER WAS DELIVERED ON XXXX XXXX, XXXX. NUMEROUS PHONES WERE MADE. I SPOKE WITH MS. XXXX, XXXX, XXXX, AND XXXX. ON XX/XX/XXXX I WAS TRANSFERED 7 TIMES BETWEEN NEIMANS AND CAPITAL   ONE WITH NO ANSWERS AFTER BEING ON THE PHONE FOR OVER 1HOUR. 

MY ISSUE IS THAT I AM TRYING TO REFINANCE MY HOME AND TAKE MY EX HUSBAND OFF OF MY MORTGAGE. THE ONLY THING HOLDING ME BACK AT THIS POINT IS 1 30DAY LATE PAYMENT TO NEIMANS FROM XX/XX/XXXX. THIS WAS AVERY STRESSFUL TIME FOR ME. MY DAUGHTER CAN BACK FROM XXXX AFTER THE HOLIDAYS AND HAD HER XXXX  XXXX XXXX XXXX. 3DAYS LATER SHE BECAME XXXX  XXXX  AND I HAD TO TAKE HER TO THE EMERGENCY ROOM. SHE HAD XXXX  XXXX  XXXX  SYMPTOMS INCLUDING XXXX  XXXX, XXXX  XXXX, AND XXXX. THIS WAS BEFORE WE KNEW A LOT ABOUT XXXX  XXXX  OR THAT IT WAS IN THE USA. BECAUSE I WORK IN XXXX I WAS AWARE THAT XXXX  AND MY XX/XX/XXXX XXXX  XXXX  FOR THE XXXX  IN XXXX. 

ALL I AM ASKING IS FOR THIS ONE MARK TO BE REMOVED SO THAT I CAN GO ON WITH MY LIFE AS A SINGLE MOM THAT HAS PUT XXXX  GREAT CHILDREN THROUGH COLLEGE SINGLE HANDEDLY AND AM NOW READY FOR MY NEXT CHAPTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: CA
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 a natural person, I am a living human being, I Have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681, And they have violated my right numerous times. I demand the account listed below ( # XXXX & # XXXX ) removed because, According to 15 USC 1681 : have the rights to the privacy and did not give Equifax written permission too furnish these accounts. 
( # XXXX & # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: FL
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:
On The early morning of XX/XX/2022 I was kicked out of an XXXX abruptly because my friend was throwing up. The driver drove away stealing my XXXX XXXXXXXX XXXX XXXX valued at over XXXX. This individual then used my XXXX wallet ( which had my debit card / chase checking account ending in XXXX linked ) to send UNAUTHORIZED transactions of {$2000.00}, {$800.00}, {$100.00}, and {$100.00}. A total amount of {$3000.00}. I was able to obtain information from XXXX that they then used this money to send peer to peer transfers in increments of 27 ( 27different transfers! ) of {$10.00}, {$100.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$50.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$100.00}, {$150.00}, {$150.00}, {$150.00}, {$150.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00}, and {$90.00}. For a total of {$2900.00}. 

XXXX XXXX operated by XXXXXXXX XXXX XXXX did their investigation and sided with me in the dispute agreeing that it was indeed fraud. I am attaching all documentation to support this as well as a police report and identitytheft.gov report. 

Chase REFUSES to honor my claim and continues to LIE and state that these were authorized transactions even after XXXX XXXX XXXX and XXXX have agreed with me that they were NOT. When we disputing the XXXX XXXX transactions my XXXX XXXX account went to a XXXX balance. After winning the dispute with XXXX XXXX they ( XXXX XXXX ) sent back {$3000.00} into my XXXX XXXX wallet which put the balance at XXXX which means I did NOT get my money back, it simply brought the account back to a XXXX balance since it was negative from the dispute. However Chase continues with their decision to not give me my {$3000.00} back, even with all of this information being provided to them. They have put my wife and I through unbelievable hardship on top of being victims of grand theft and robbery. Part of this {$3000.00} was my wifes FIRST PAYCHECK as a teacher for the state of Florida at XXXX XXXX XXXX XXXX XXXX. To do this to a public servant is cruel and disgusting and if this is not resolved we WILL take JP MORGAN to court. They are a filthy company that has no regard for their customers or human beings. There is absolutely no reason to deny our claim with XXXX siding with us other than pure GREED AND CRUELTY. 

There is a detective working on the case from the XXXX XXXX Police Department - Detective XXXX. XXXX has also suspended the driver WHO WAS OPERATING UNDER ANOTHER INDIVIDUALS NAME. IT WAS A FEMALE DRIVING UNDER THE REGISTERED NAME XXXX license plate XXXX.

Company response to consumer: Closed with explanation