BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IN
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-04-28
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice in the mail for a judgement for my husband. The interest rate is at 12 % annually. Based on XXXX effective XX/XX/2019 interest should have been changed to 9 %. In an attempt to consolidate the debt I offered to settle at the original judgement amount of {$710.00}, the woman I spoke with said she could do {$1000.00}. Which would be waiving only {$160.00} of the post-judgement interest. I have explained to them that my husband is in a XXXX XXXX XXXX and I am not currently working. I am appalled that they would charge me additional interest illegally and not be willing to work with given the current circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Everything PRIOR to XX/XX/2022 are valid charges. Everything else are UNAUTHORIZED CHARGES!! 

I have complied by mailing in a letter of explanation to the credit card company without a response. Please update with XXXX balance.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong 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 2023-03-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a wire deposit of {$100000.00} from a business customer who banks with XXXX XXXX to be used to purchase a car for the customer as per my business agreement on XX/XX/XXXX. The funds pended for 3 days and was made available by my bank ( Chase ) on XX/XX/XXXX. I waited for 5 days after the availability to use the money for business as always with no issues and was left with {$15000.00}. On XX/XX/XXXX Chase restricted my account and placed a hold on my account refusing to give me my money claiming they got a notice from XXXX XXXX that the money was fraud and for that reason I need to call XXXX XXXX about it. I called XXXX XXXX on XX/XX/XXXX but the wouldnt speak to me since I do not bank with them. So I made my customer call in reference to that and my customer was told by XXXX XXXX they did not send any fraud alert notice to Chase and there is no issue with the customer account or the wire that was sent. I informed Chase about the call to XXXX XXXX and what XXXX XXXX told my customer. Chase told me to wait for 7 business days so they can update my account and remove the restriction. After 7 days Chase told me they were doing their own investigation so I should wait till XX/XX/XXXX. I waited and called them back just for them to tell me they are still not done with the investigation. It is now XX/XX/XXXX and I have been calling them every day trying to get my money back from Chase. They have deliberately refused to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
State: ME
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:
I CLOSED THE CREDIT CARD ON XX/XX/2019. ON XX/XX/2019 A MERCHANT REFUNDED {$480.00} TO THE CREDIT CARD. THE CREDIT CARD COMPANY SAYS IT HAS NO RECORDS SHOWING I EVER HAD THE CREDIT CARD WITH XXXX  CREDIT CARD NUMBER, EVEN THOUGH IT SHOWS UP IN MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Consumer Reporting act XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX  corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We received a check for XXXX from grandparents to help with some bills this holiday season as we have been struggling financially this month. While the banks are closed on the XXXX for the holiday we decided to go ahead and do a mobile deposit through our Chase app and figured it would be available in the next day or two, just as our previous deposits have. Yesterday ( XX/XX/XXXX ) I recieved a message from Chase stating a hold had been placed and funds would be available **XX/XX/XXXX** with no explanation. We decided to wait it out another day and see. Sure enough we woke up this morning ( XX/XX/XXXX ) and the check image was in the app just like others we have used the app to deposit before and it no longer said it was pending. But still the funds are not available with an ETA of XX/XX/XXXX. Still we wanted to give Chase the benefit of the doubt and wait a little longer. When XXXX XXXX  rolled around and the funds were still unavailable, I decided to call our local branch and see what was going on. After verifying our account information and recent transactions I was informed the check image was unavailable ( even though it very clearly shows up in the transaction record on our end ) and to check back tomorrow. So which is it, tomorrow or the XX/XX/XXXX? Never have we had such an issue using mobile deposit before, especially with our previous bank. In the meantime the utilities we were hoping to cover by now are now very past due and face being shut off. Thanks Chase. Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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: Investigation took more than 30 days

Complaint:
Hello there what is going on is I had my car repoed due to loss of work because of XXXX XXXX. I was told the balance on my account was XXXX they added an additional XXXX also couldnt refund my account back XXXX for a key they said I never gave them at the time I picked up my belongings I handed the key to the gentleman at the gate. I called XXXX  the day my car was auctioned on XX/XX/22 they said that they charged XXXX dollars for a key that I already had handed them in person at XXXX XXXX XXXX they should have corrected it the first time I meant XXXX XXXX XXXX so the credit bureaus can correct it on their end too.Also the balance is supposed to be XXXX as the correct balance of whats owed to XXXX XXXX XXXX and not XXXX XXXX waiting til XXXX corrects that too with Credit Bureaus it should been XXXX subtracted by XXXX the auction balance of car which is XXXX to be corrected by 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 2022-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I filed a dispute on my debit card and the claim was denied because they said my card was used but it was used in another Country. If you look at my transactions. I was in XXXX XXXX California then I drove home to XXXX AZ. How could I be in XXXX also using the card. It doesnt make any sense. I was asked to submit a receipt but I dont have any from XXXX of 2021. I take full responsibility for not noticing sooner but how can I be in XXXX and in the US at the same time. Its just not possible. The claim XXXX. I have zero clue how my card was being used in XXXX but I wasnt there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.

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 2023-03-02
Company: TD BANK US HOLDING COMPANY
State: NV
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: Was not notified of investigation status or results

Complaint:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Subject : Disputing Information in Credit Report To whom it may concern : SEQUOIA FINANCIAL SVCS Acct # XXXX You are reporting XXXX XXXX as a collection account on my credit report. This is inaccurate reporting and needs to be removed immediately. I called XXXX  on XX/XX/21 as I notice I still show inaccurate reporting on my credit report, per the representative they have not received any information from Sequoia as of today. I called Sequoia XX/XX/21 spoke with XXXX XXXX who informed me they sent deletion notice to XXXX  XX/XX/21, I than proceeded to call XXXX  again and they confirmed they have not received anything at all from the Sequoia, she also mentioned when they receive notice, they remove it right away with 24-48 hours. I called Sequoia again spoke with XXXX XXXX and requested to send it again to the bureau since it was never received! Please send me confirmation this account has been removed from my account. of my credit report when Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION  XXXX {$1900.00} COLLECTION   XXXX {$720.00}

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 2023-03-02
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
For the past year I have been sending LVNV FUNDING LLC, XXXX, XXXX CERTIFIED LETTERS ASKING FOR MY DEBT TO VALIDATED THEY HAVE FAILED TO CORRECTLY VALIDATE ACCOUNT. I ASKED FOR A COPY OF THE ORGINAL CONTRACT IN WHICH THEY REFUSED TO PROVIDE. I AM EXHAUSTED AT THIS POINT. 
MY FIRST LETTER TO THEM WAS XX/XX/22 SECOND WAS XX/XX/22 AND MY 3RD AND FINAL ATTEMPT WAS IN XX/XX/22 I ALSO SENT CERTIFIED LETTERS TO THE ACTUAL COLLECTION AGENCY AND THEY ALSO DISREGARDED MY REQUEST FOR VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a person who reached out to me on a dating website XXXX. This was around XX/XX/XXXX. They proceeded to text, email and phone me for one month, saying they were building in XXXX, and then said they were robbed at gunpoint on XX/XX/XXXX. They then asked me for money to help them, after they had gained my trust. They said I would be paid back after they returned home around XX/XX/XXXX. After I wire transferred XXXX $ to XXXX, on XX/XX/20, they disappeared.I have filed a fraud claim with Citizens bank. I am a XXXX XXXX XXXX and this money is much needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

XXXX is being reported

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 2023-02-23
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$300.00}, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$440.00}

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 2018-04-25
Company: AES/PHEAA
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: Account information incorrect

Complaint:
XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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 status incorrect

Complaint:
Experian continues to report XXXX late payment on my credit report when I don't have any late payments.

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