BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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 2022-07-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an XXXX credit card that is managed by Comenity bank. I have been trying for over a week to make a payment to them however there has been outage or cyber attack and I can not log into my account to make a payment. Their phone systems are down too. My payment is going to be late and will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Caine & Weiner {$240.00} Ive only seen it appear on my credit report. No communication whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
An XXXX was purchase with my card, but I was at work at this time and point so I don't understand why I was changed with that. I've never even used an XXXX. Don't understanf why there was so many fees added to the bill. What these fees are for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I NOTICE A HARD INQUIRY IN MY CREDIT REPORT FROM PAYPAL via SYNCBVENMO ON XX/XX/2020 WHICH I M NOT AWARE OF!

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 2022-06-08
Company: EQUIFAX, INC.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -XXXX XXXX  XXXX -XXXX XXXX XXXXXXXX 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: NJ
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, DEPT OF ED/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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently was accepted to a job that was labelled as a XXXX XXXX XXXXXXXX at XXXX XXXX XXXX. However, on XX/XX/XXXX, as part of my onboarding process to buy office equipment for the job I sent a payment of {$1300.00} to XXXX through XXXX. On XX/XX/XXXX I sent {$700.00} according to instructions. I was scammed, because I was told that she was a vendor. Moreover, it turned out that the people who were " helping '' me through the onboarding process, were illegitimate imposters who were impersonating the legitimate company, XXXX XXXX XXXX. These impersonators have now received {$2000.00} from my bank account, and I obviously did not receive any office equipment. I can not receive a refund through XXXX because the transactions were authorized. I called my bank multiple times to try to resolve it, but they have determined that no action will be taken. I filled reports on XXXX about the fraudulent scam I got attacked by, but I haven't found any method of recourse. {$2000.00} is a big deal for me right now because I am trying to get through college and pay my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUITY RESOURCES, INCORPORATED
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have told the mortgagee company many times that I am no longer in Bankruptcy. Ive called multiple times. My Bankruptcy was voluntarily dismissed in XX/XX/XXXX. The mortgage company will not acknowledge this and continues to prevent me from logging online to pay my account, view my balance etc. Im making payments to avoid collection ; however, I just received a notice XX/XX/XXXX stating my loan is in default because I havent made a payment since XX/XX/XXXX. However, I receive statements each month with my payment showing being made. They need to update my loan and take me out of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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 2022-09-22
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have disputed unauthorized transaction on my chime account with chime on two occasions and both times the results of the dispute came back denied. They refuse to investigate properly to help me get my money back. They also informed me via email that they would send documentation used to investigate this matter within 10 days but they never did. Money was stolen from my card. 

The first occasion was on Tuesday, XX/XX/XXXX in the amounts of XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXX XXXX {$75.00} The second occasion was Tuesday XX/XX/XXXX XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$200.00} XXXX. XXXX XXXX XXXX for {$100.00} XXXX. XXXX XXXX XXXX for {$150.00} The first occasion email they sent on XX/XX/XXXX said " Hi XXXX, We would be happy to send you the documents used in our investigation that helped us determine the outcome of your claim. This will include information that we had available to us at the time as well as additional information/evidence that the merchant provided to us, if any. Please know that we will send the requested documents as quickly as possible but it may take up to 10 business days. Thank you for your patience in this matter. 

Thanks, XXXX | The Disputes XXXX XXXX refuse provide to credit my funds back after I informed them that my card was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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 2023-10-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. 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 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-07-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I lost my job due to Covid-19 pandemic. I was unable to make the payments. The company never tried contacting me to help me with a resolution. Actually never contacted me at all in the last 2 years. In my defense I thought they were doing some kind of relief program for the pandemic because on my credit report it said " write off ''. All of the sudden, last night ( XX/XX/2022 ), sheriff shows up with a summons to be in court on XX/XX/2022. They are pursuing a judgement against me for {$2900.00} plus {$990.00} in attorney fees for a total of {$3900.00} plus court costs and private process server fees. I am struggling to put gas in my car and food on my table. They could have at least called me to discuss a payment plan, then I wouldn't have incurred extra cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-02
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
From XX/XX/XXXX to XX/XX/XXXX US Bank National Association has committed and is solely responsible for multiple violations of the FDCPA. Attached is material documentation to support my statements below : 1 ) I have no contractual agreement or loan account with US Bank 2 ) I owe US Bank no monies. 
3 ) US Bank paid " no value '' for anything they presume legal rights to claim that I am in possession.

3 ) From XX/XX/XXXX to XX/XX/XXXX US Bank has sent, by USPS, documents/communications directly to me misrepresenting a " debt '', offers to modify that debt, then consistently " XXXX '' me when I respond to their offers. 
4 ) In XX/XX/XXXX, I was informed by a US Bank representative via telephone that the " account is closed '' when I called about technical difficulties that occurred for several days when I tried look up the account online.

5 ) 60 Days allotted to US Bank to respond to any complaints they receive from me is NOT acceptable and is another stonewalling tactic on US Bank 's part to plan another " escape '' from answering these direct allegations. 

US Bank National Association 's repeated Violations of the FDCPA 1 ) Attempts to seize property for a non-existent debt 2 ) Attempts to collect debt not owed by material misrepresentations 3 ) Attempts to seize property to steal the equity therein 4 ) Contempt of Court by failure to obey a XXXX Federal Court Order for a Mortgage Modification Mediation to validate the debt and modify it. 
5 ) Violation of XXXX XXXX Bankruptcy XXXX in XX/XX/XXXX. In XX/XX/XXXX, US Bank allowed employees attorneys of a law firm to file a personal injury lawsuit to collect foor a " non-existent '' loss for a bankruptcy XXXX non-existent debt. 
6 ) Written notification about debt - I have bbeen disputing this in writing since XX/XX/XXXX. 
7 ) False statements or representation ( trying to collect any amount ) 8 ) Took negative action by legal action abusing State Court Judicial officers and procedures.

9 ) Threatened t seize property by getting a State Court Judge to set a sale date of my property for 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 explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, DEPT OF ED/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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: MO
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:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX  Act # XXXX XXXX Acct # XXXX {$1300.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$360.00} XXXX XXXX Act # XXXX {$1100.00} XXXX XXXX Act # XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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:
On XX/XX/22 at XXXX XXXX, I went to deposit {$2600.00} ( all {$100.00} bills ) in cash at the Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX location, ATM term ID - XXXX. The ATM spit back a {$100.00} bill saying it cant read it. I got distracted by that and walked away - so I didnt click any other buttons to deposit it fully. Called Chase the next day, admitted my stupidity, and they said they see an attempted deposit on their end and credited the money back to me. Now, a month later, theyre trying to say the ATM didnt have an extra {$2500.00} in it and theyre taking the money back. I asked them to review the cameras to see I was there depositing the money, with my mom right next to me, because theyre saying the ATM didnt spit the money back out. They said the person after me couldnt have gotten it. They dont review video as part of their investigation??? And I cant review the video without a subpoena from an attorney. So now {$2500.00} has gone missing, the ATM didnt have it, and the person after me couldnt have gotten it.

Company response to consumer: Closed with monetary relief