BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: LA
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 ATTACHED Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XX/XX/XXXX, XXXX XXXX XX/XX/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 The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX la XXXX remove ALL other addresses listed The only phone number should be listed ; XXXX remove ALL others There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Discover account was open fraudulently is not mine police report file XXXX XXXX XXXX open fraudulent not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: PA
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 don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? All the accounts listed below came back verified and updated after verified but continue to read completely inaccurate. Delete the following from my credit report and I'm now asking for monetary compensation for each violation. 

XXXX # Continues to read that I paid on time. Account charged off. DELETE XXXX # Reads paid until XX/XX/XXXX. At XX/XX/XXXX 12 days late. DELETE XXXX # Date opened XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX # in XX/XX/XXXX says paid. XX/XX/XXXX says 120 days. XX/XX/XXXX says 120 days again. DELETE XXXX XXXX # Reads XXXX different dates of activity. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. DELETE XXXX XXXX # XXXX last XXXX XX/XX/XXXX. Equifax last payment XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last payment was made XX/XX/XXXX. DELETE THE XXXX # Report date XX/XX/XXXX. Last active date XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE FST XXXX # Credit limit {$0.00}. High Credit {$700.00} DELETE XXXX XXXXXXXX # Credit limit {$0.00}. XXXX XXXX {$510.00} DELETE XXXX # Closed account. Payments report good as of XX/XX/XXXX. DELETE XXXX # Date open XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX XXXXXXXX # Date open XX/XX/XXXX. Date of last payment XX/XX/XXXX. DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to buy shoes from someone who seemed verified he said he would give me a shipping label after I XXXX him XXXX dollars which is the cost of the shoes on XX/XX/25. He then blocks all communication from me and I call the bank to start a claim. Chase sends me a letter saying they wont do anything to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Self Financial Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing to lodge a formal complaint against Self Financial Inc. concerning a clear breach of contract and their refusal to adhere to the arbitration obligations outlined in our contract terms and agreement. The actions of Self Financial Inc. have raised substantial concerns regarding contractual commitments and compliance with relevant legal regulations. 

The key facts related to this complaint are as follows : 1. On XX/XX/2023, I initiated the arbitration process by formally submitting a demand for arbitration against Self Financial Inc., based on my belief of a breach of contract between myself and Self Financial Inc . 

2. Our contractual agreement features explicit and unambiguous terms that govern the dispute resolution process. Specifically, it unequivocally states that either party has a 30-day timeframe, commencing from the date of receiving the Demand for Arbitration, within which to make an election regarding the chosen method for dispute resolution. This contractual provision is designed to ensure a fair, timely, and mutually agreed-upon resolution process. 

3. Unfortunately, on XX/XX/2023, Self Financial Inc. opted for a course of action that conspicuously contradicted our contract 's terms. They chose to pursue resolution through a small claims court, an action that falls outside the clear and binding stipulations of our contract, as it occurred beyond the 30-day window specified for making such an election.

4. It is essential to underscore the importance of Illinois law, particularly the Illinois Uniform Arbitration Act ( 710 ILCS 5, Section 17 ), in matters concerning jurisdiction and the handling of arbitrations. In alignment with Illinois law, when a contract includes an arbitration clause, arbitrations must be exclusively conducted through arbitration if such a clause exists within the contract. Our contract undeniably contains an arbitration clause, thereby emphasizing the significance of abiding by our agreed-upon arbitration obligations. 

Given these indisputable facts, it is evident that Self Financial Inc. has not only breached our contract by failing to adhere to the prescribed arbitration obligations but has also transgressed Illinois law by choosing the small claims court as a method of dispute resolution. 

I respectfully request that the Consumer Financial Protection Bureau conducts a comprehensive investigation into this matter and takes appropriate action against Self Financial Inc. for their breach of contract and their failure to honor arbitration obligations. 

Enclosed with this complaint, you will find supporting documentation, including copies of our contract, the demand for arbitration, and all relevant correspondence associated with this dispute. I look forward to a swift and equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was tried to transfer my phone numbers from XXXX XXXX to XXXX XXXX  who has a deal for people XXXX. 
They send me new phones with new phone numbers, I was unable to use new devices with my previous phone numbers, Phones are locked by XXXX XXXX and they want from me to pay for them when it was promise a label to return the devices. 
Also they said I didn't pay anything, I was charged {$56.00} from my bank account. 
I would like to open a claim for deceptive advertise and abusive practice for asking me to pay for something I didn't use. 
I think they use a deceptive and abusive practice without to provide the services I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: OH
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 states : A consumer reporting agency can not furnish an account or account information without my 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 explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
My XXXX  account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas XXXX XXXX XXXX Experian and XXXX are showing a late payment for XX/XX/XXXX  and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 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 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 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 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I recently received a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2022-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update/correct this suspicious information. I think you 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 you. This was already included in my prior COMPLAINT # XXXX, XXXXand I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX  XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$5400.00} DEPT OF ED/XXXX  XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Incomm Holdings Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a vanilla gift card for {$200.00} it never left the package when I opened it and tried to use it there was no more money. I found someone immediately used it online at XXXX 's XXXX for two charges. I contacted the company they told me to file a dispute which I did now they are ignoring me. I also found out this is a big issue with this company where the money is disappearing. It is if their system is the cause. I think this company needs to be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After having been charged for services for which I enrolled in with an online legal form provider, and the site not properly functioning, I disenrolled services but was still charged for membership fees for multiple months. After contacting the company, they issued an email and stated services were canceled and that a refund had been issued. I however have not received any refund. After several months of attempting to resolve the issue, I was forced to dispute the transactions with USAA and submitted to the XXXX the email received and the full contact information for the company of the dispute. USAA denied my dispute, while having been fully provided all requested documentation, and thus charged me over {$500.00} in NSF fees as a result of those transactions. This institution has become awful to contact, rude, and will do anything possible to cause more financial burden on their members. They have scammed me out of insurance premium paid, and they canceled the policy, while refusing to provide a refund of premium, dividends, and did not respond to my claims for storm damage and theft that occurred while the property was under coverage of the policy. They have also prevented me from obtaining further coverage, but accepted payment for policy for the year and canceling the insurance without notice. They should be ashamed. Since changing administration, they have taken advantage of military XXXX, veterans, and their families by all means available to them. It is my wish that this institution be required to provide full refunds to its members, and be forced to cease operation as they have continued to violate federally mandated procedures and having been access fines previously for the violations. I have attempted to resolve the matter through arbitration as stated to do so under the account holder terms and conditions, but the institution responded that I would be required to change venues to a court instead. Any attempt to do so has been responded with inconsistent information being provided by USAA and I will be forced to initiate a claim through Texas courts while being a resident of XXXX which will cause major financial burden. It is my belief that USAA is abusing this power to avoid accountability for their actions. Please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any 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 2020-01-18
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 information incorrect

Complaint:
I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it.

Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan

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