BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: WI
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : Chapter XXXX Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX Records : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Records : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: VA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX at XXXX XXXX  XXXX, I was scammed by someone identifying as XXXX  XXXX XXXX  I found their number on XXXX and called them. They explained my account was disabled ( my reason for the call ) due to fraudulent transactions and mentioned a XXXX XXXX XXXX XXXX XXXXXXXX and others that " red flagged '' the system. At this point I was hooked, because I did the same amount just the other day Then he sent 2 confirmation text messages with my case number and a verification ID. He advised to go through several apps to verify me in order to confirm my identity and unlock it. We went through XXXX XXXX, in which I couldn't fund any amounts he suggested, he asked to look in history if I see any unusual activity, we did same with XXXX and he asked me to create a virtual account and see if it sends money as a security virtual code ( that was also in one of the text messages ). He was Team viewing me from my other phone and basically directing me every step of the way, I was almost under influence and couldn't think clearly. I sent the money to an account a phone number with XXXX, XXXX $ and they said it would show up again in the account as it was only for verification, the money shouldn't go through. At this point, I had to pick up several phone calls and then immediately, at XXXX called the bank JP Morgan Chase to verify this transaction and stop it ( it was showing " under review '' in XXXX  ). I talked to them explained all the error of the situation and they said it nothing they can do and that it was completed. NOTHING! I checked XXXX and saw that it showed completed indeed, just " pending '' in my statement balance probably. 
Did not have any words after that, realizing I couldn't trust my bank also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BARCLAYS BANK DELAWARE
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: Other problem

Complaint:
On XX/XX/22 I applied for the Barclays XXXX XXXX card and was approved. It comes with a {$95.00} statement credit that has yet to post even though all spending requirements have been met. Barclays continues to give the run around about when the credit will post but never follows through.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have already disputed these accounts and collections XXXX XXXXXXXX but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Chime Financial Inc
State: GA
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:
My Chime Bank credit card was used for {$1000.00} that I did not authorize! I researched the purchase and the shipping address for whatever was purchased was not my shipping address yet Chime associates are telling me that the transaction is legitimate even though I as the customer are telling them that I never used my card with that company, I never authorized them to take any amount of money and Chime will not reverse the transaction and refund me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from XXXX  XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
USBank sent me a letter stating that since I have been a good customer, they are increasing my credit line from {$500.00} to {$1000.00} and sent me a new card. 
Since I received the card I tried to use it to make a payment at XXXX XXXX XXXX and it would not go through. I called USBank and spoke with a representative who told me someone would get back to me because I was being " investigated '' & transferred me to another dept where I was told that XXXX was the one who had a problem not my account and I could use the card, no problem. Today I received an email from USBank alerting me that they detected suspicious activity on my credit card & to call XXXX. I called 3 times today, but each time I was on hold for 30 minutes then an automated system came on to say there was no one available and hung up. 
I have not been able to get anyone on the phone regarding this alert or use the card anywhere.

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 2023-03-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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 2022-08-23
Company: The J. G. Wentworth Company
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
After a separation from my husband more than XXXX MONTHS AGO, I, XXXX XXXX XXXX, formally living at XXXX XXXX XXXX XXXX, XXXX, Alabama, XXXX, then found it necessary to find debt relief. I believed JG Wentworth to be a solid and legitimate company. That belief is completely shattered with the events of the last week. I am seeking the council of Oregon Attorney General XXXX XXXX, who is a dear friend of one of my friends, to file formal fraud in banking charges against JG Wentworth on my behalf. 

I was told by JG Wentworth associates and have a telephone recording and a text of one stating, that I had entered into a 16 month debt elimination program at {$490.00} per month with the last payment of {$9.00}. That {$9.00} payment was taken by JG Wentworth automatically from my XXXX XXXX account at the beginning of this XXXX. 

During the 16th month program I have faithfully paid these payments. However, when I recently called to receive exit paperwork, the representative stated that I owe " 3 more months '' beyond the 16 month period! He said that the 16 months " we're just an estimate '' and the last creditor required more money than expected. But that is not how the program works. I was told creditors are contacted at the beginning of the program to confirm what amount they will accept to cancel the debt, and then money is collected and paid out in those pre-determined amounts. Instead of honoring your promise of my being " debt-free in 16 months '', I am being hounded by their partner XXXX XXXX  XXXX who is again promising a " graduation from the JG Wentworth debt program '' if I secure a loan from them! This is the very definition of a scam, a " bait and switch. ". The goal post keeps moving! I was told that I needed to pay off one more creditor but just as I am writing this, I am told that an account that I was told was already settled is now due! 
. 
I am very upset and frustrated. Several times I checked and rechecked with their representatives about the nature of your program and I was repeatedly told I would be debt free in 16 months. I feel I should warn others on as many social network platforms as I can find because what they are doing to unsuspecting clients is financially dangerous and unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Americas Car-Mart, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
I tried to trade my car in not being informed the worth of the car until I started looking at something new. My car value is {$2000.00} and they want me to pay {$22000.00} with {$820.00} a month on this car. I only had the car for two months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX my car repossessed and the law office of XXXX, XXXX and XXXX took over the loan. I set up a payment plan of XXXX a month and I have never missed a payment as it is directly withdrawn. In XX/XX/XXXX I called to offer a settlement, they said I owed XXXX, I offered XXXX to settle. I was told that they would get back to me and I didn't hear anything from them. I still remained making payments. Then in XXXX of XXXX I called to make another settlement offer and they told me that I owed XXXX. I asked how that could be when the last time I called I owed less and it was showing my balance go down on the credit apps that I have, XXXX and XXXX XXXX. They told me that those apps don't show the correct information. But that still does not make up for the fact that my balance hasn't gone down and I've been making 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
Consumer complaint received 2022-09-29
Company: PNC Bank N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
PNC Bank continues to decrease my credit limit on both my credit ares for no apparent reason. As soon as I pay the balance down, the decrease my credit limit by almost the exact amount I paid down. When I spoke to them, they said it was due to my credit rating. What they are doing is exactly what they clam is the issue. By decreasing my credit limits, they are driving up my usage percentage and driving my credit rating down in the process. In the case of one card, they took {$4400.00} off my available credit in one swoop, driving my usage percentage from around 50 % to 95 %. Worst, I was on vacation at the time, and not notified of this decrease until a week later.

I would just like to know why they are doing this. I have never been late with any payments on my cards or car loan, which make this appear to be a simple vendetta against me. 
I am shopping around for a new bank now, since I am not sure what else they are capable of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
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: Account status incorrect

Complaint:
I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Transunion on XX/XX/XXXX to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am the victim of a data purge and somebody is trying to use my social and credit to take out credit cards and buy merchandise from 3rd party vendors like XXXX ( a XXXX $ XXXX XXXX was bought and sent to my address but I returned it ). I have already spoken to the people at XXXX  XXXX XXXX and told them that the credit card applications being sent are fraudulent. I have just received a letter in the mail from a denied discover card application. Some one is actively trying to use my identity and I have filed a police report with my local authorities and froze my credit on the 3 major credit companies and also place an initial fraud alert. I am at a loss of what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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 am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: IN
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2022-08-02
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:
This is my XXXX 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 pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation