BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-26
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 an ACH from Discover Co was placed against my XXXX XXXX account. The charge was in the amount of {$6300.00} and caused my account to be overdrawn by more than {$4000.00}. 

I contacted XXXX, but because the amount was too large, they could not credit my account while the fraud investigation was initiated ... which could take many days. 

I contacted Discover Co with the transaction number, amount and my account, but they refused to help me because I do not hold an account with them.

I'd like to file a complaint against Discover as they are literally stealing money out of my account with a fraudulent charge and will not reverse the charge. 

I will suffer extensive financial harm as this fraudulent charge took place the day before XXXX and any resolution will take many days to resolve with XXXX. 

This means that my car payment, rent, insurance and other charges will be declined and I will be liable for late fees and credit issues. 

In a sophisticated digital banking environment, there should be no way that this type of damage can inflicted on a checking customer without recourse. 

I am completely helpless against this theft that Discover has facilitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
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: Account status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I noticed inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX  XXXX  XXXX XXXX # XXXX. This account was charged off in XXXX and closed! 

TRANSUNION violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$8700.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX ; {$8700.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off C/O on these dates from XX/XX/XXXX to XX/XX/XXXX ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 120 days ; late payment reported on XX/XX/XXXX - 90 days ; late payment reported on XX/XX/XXXX - 60 days ; late payment reported on XX/XX/XXXX - 30 days. A Charge Off/Close Account must show NO Payment history or consecutively as C/O reported on my credit report. 

4. Delete this account, because it shows Credit Limit reported {$7500.00} from XX/XX/XXXX to XX/XX/XXXX. This account was charged off and closed in XXXX. This is inaccurate information. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my TRANSUNION Credit Report and circled the violations, TRANSUNION violated. 

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-01-30
Company: EQUIFAX, INC.
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
Equifax continues to be in violation of my rights in reporting inaccurate information. In their response letter they stated information was verified but in order to verify information according to Fair Credit Reporting Act, Section 609 ( a ) 1 ( A ) it is required by law to verify through a signed consumer contract, any and all accounts posted on my credit report. Otherwise anyone paying for reporting services could fax, email in a fraudulent account. 

Equifax and the merchants ( XXXX XXXX, XXXX, XXXX  and XXXX ) has not provided verifiable proof i.e an original consumer contract with my signature on it. Their failure to positively verify these accounts has hurt my ability to obtain credit. Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX XXXX XXXX : {$4800.00}

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 2018-08-28
Company: Risecredit, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
RISE Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX I am unaware of the above 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 such documentation bearing my signature, I formally request that this information be immediately deleted from 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 Act section 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 small claims 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.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, my mom tried to access her online Chase savings account and it was locked due to suspicious activity. The website provided a number, XXXX to unlock the account. I was put on hold for over an hour before someone answered and they were able to unlock the account. We explained that we were trying to transfer to another account that had been verified by recording 2 small deposits that Chase made to the account we were paying to. We tried the transfer again and again, they suspected suspicious activity and we had to call and were on hold for 2.5 hours and then disconnected. There is no online option to unlock the account, no chat option and the call center does not offer a callback number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, XXXX XXXX XXXX XXXX XXXXXXXX, acknowledged that I have a XXXX balance with XXXX, case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: FIRST PORTFOLIO SERVICING INC
State: MO
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:
XXXX  has removed the items below but have allowed the same companies to update the same information that's already been disputed and deleted. won't remove the following. 

XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  are reporting lower scores and incorrect info. 

XXXX XXXX XXXX XXXX  of XXXX XXXX  charter # XXXX I was told by two Women at the XXXX branch that I have been denied an auto loan that I absolutely qualify for, because of XXXX XXXX XXXX and other debt that was included in my Bankruptcy doing the recession over seven years ago. I was also told to consider a different bank because XXXX  dose't typically led to my " kind ''. 

I personally know and was referred to this credit union by several " XXXX  '' friends, family and even employees of this institution and several of them only have a XXXX  score with lots of debt, yet they were able to receive auto loans, mortgages and credit cards from your loan officers. 

I've been told by XXXX that the XXXX credit score to qualify is XXXX, I received a letter from XXXX  saying my XXXX  score is a XXXX. I have direct deposit with this financial institution, I make {$1000.00} per week and have zero loans or debt. 

Please consider taking a second look at this matter, because after further review and conversation with other credit unions, attorneys and city officials I've been informed that this is direct power thrusting and discrimination by someone with " XXXX   privilege '' being in a position to deny me because I'm a XXXX American and that's the only reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have some inquiries on my account that I asked to be removed because they are unverified and unauthorized. I have contact XXXX  about XXXX XXXX XXXX  on XXXX, XXXX XXXX XXXX on XXXX, XXXX  XXXX XXXX  on XXXX, and XXXX  on XXXX. Ive also contacted transunion about XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. If these are not removed then its against the FCRA. These accounts are not attached to any open accounts so they are unauthorized and need to be removed. You consequences for these false reports results in a {$1000.00}.

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 explanation
Consumer complaint received 2022-12-14
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent account : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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'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 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 2020-09-10
Company: Experian Information Solutions Inc.
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:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. Experian, XXXX, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.

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 2020-11-26
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: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX XXXX with Equifax for over a year now. I have asked Equifax to make XXXX XXXX XXXX send me something with my signature on it. Equifax did not grant my request, instead, they emailed me and said the account was verified. THIS account needs to be removed from my credit report if XXXX XXXX XXXX can't supply Equifax with something with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I placed a payment via the American Express mobile app for my American Express account in the amount of {$1600.00} when had just over {$3000.00} in my Chase Checking account so that I would have an on-time payment and satisfy the full statement amount before XX/XX/XXXX. 

At XXXX XXXX. that evening, I received an email alert stating that my XXXX account had gone into a negative account balance and saw that the American Express payment was processed twice. I immediately contacted American Express via the app and asked for them to stop one and was told " it was too late to cancel them as these payments have aready gone into the processing status. However, once they post on your account you can let us know and we will immediately place a request to return it back to your bank. '' Because American Express was unable to resolve my problem with immediacy, I contacted XXXX XXXX  and requested them to stop the charges, and they did, but this is not reflected on my account until the next business day. 

To make matters worse, my XXXX card made an automatic minimum payment, and because XXXX is incapable of stopping the charge immediately in a manner that reflects a balance showing the account is no longer negative, I have incurred two overdraft fees of {$34.00} for a total of {$68.00}. 

I asked to American Express to return both charges back to the account so that I could issues new payments that would summate the statement amount because, according to XXXX, the identical charges are recognized as one by their system and they can not block only one, and that if I were to attempt to make the same payment again it would be possible that the payment request would automatically be blocked. Instead, American Express only refunded one payment.

To verify that it was not something done in error by me, I asked the American Express representative what time the last two payments were made, to which they replied " XXXX XXXX  for the last 2 payment time frame. '' American Express has now led to financial costs incurred by me their errors, and I want them held accountable for those errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a statement of account for XX/XX/2022 from XXXX XXXX XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal XXXXXXXX XXXX account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXX XXXX has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You

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 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my XXXX XXXX have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.

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 2023-06-18
Company: DISCOVER BANK
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I moved and was not receiving my forwarding mail and my bank account was hacked through XXXX and I was issued a new card as a result the bill went unpaid. I tried to resolve the issue directly with discover but the account was already closed out and I was unable to go through them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have reached out to XXXX on 4 separate occasions via mail : XX/XX/XXXX -- advised that the information being reported was unverified/ asked for Master Promissory Note XX/XX/XXXX -- advised that the information being reported was unverified/ asked for MPN XX/XX/XXXX -- advised XXXX that the MPN that was provided was not for the University of the loan that they  stated they were servicing. Also advised that the dates of disbursements were not a time that I was enrolled in a University. I asked that the account be removed as it was unverified.

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 2020-12-07
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Credit Acceptance and have called to ask if payments could be placed on back of loan do to loss of work during covid. Flat out told no and asked when I could make a payment. I have fallen behind and try to pay something but I will never catch up. Then they are only acknowledging Covid Relief for certain States. I live in NC a Hotspot state and nothing is being done. I feel as though I'm denying discriminated against and its not right. They are reporting to all credit agencies and I'm trying this is ridiculous and needs to cease. They already charge astronomical interest and fees I can't see how they are a legal entity.

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