BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-06
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

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 2022-06-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase violated its own credit card agreement. The agreement information is located on the statements. All of the balance on this card is under a " My Chase Plan. '' The " My Chase Plan, '' agreement states that no interest will be charged on any portion of the associated plan. The statement, under " How to Avoid Paying Interest Charges, '' states that in any no-interest promotions, " balance '', is not a purchase, it's a balance it does mention purchase subject to an interest-free balance, but then states that the interest charges are not charged on a balance. Per the My Chase Plan agreement, the balance includes the fee associated with the plan. It's 0 % interest but is a fixed fee charged for the plan. The balance also includes late fees as it does state that missed payments can result in late fees. These would be directly related to the balance. I have a strange charge going from {$.00} going up to {$1.00} this month. The balance was {$0.00} when the Chase Plans were created. The balances are subject to the 13.24 % interest are odd low dollar amounts. The only additional charges on the account would be late charges and the plan fees. Per the card agreement on the statement, interest is charged for purchases, cash advances, overdraft advances, and balance transfers. There is no mention of late fees being part of interest rate calculations. I have been late on this card for a few months, due to unfortunately having financial issues due to my XXXX  XXXX. The agreements Chase has do allow for speaking with them for help with financial issues. Which in my opinion, gives you the allowance to set up additional payment options if needed. The agreement specifically states, pay the payment by the due date or we will assess a late fee. I let them assess the late fees. They violated the agreement by charging interest on the My Chase Plan fees, which is not allowed in the My Chase Plan agreement. Also, Chase calls me constantly, I have asked them to stop, but they won't. The one time I asked for help, they told me, and I quote " I'm sorry, I can't help you. '' This was a gentlemen I spoke with. This was a call that I initiated. I called the collections department for this. I was specifically told that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CURO Intermediate Holdings
State: MS
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 company has not reported my on time payments. Also they are reporting this as a personal loan which it is not. Its a vehicle loan. They have the title to my truck for this loan. Its a vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21, at approximately XXXX pm I ( XXXX XXXX ) received a call from a woman named " XXXX, '' who claimed to be from Citibank. She claimed there was an attempt to charge {$450.00} at a XXXX in Georgia. 
She asked were we visiting Georgia. I told her no! I was a bit distracted while on a XXXX  business call and multitasking. She then texted me a Citibank code and asked me to repeat it to her. I gave her the code and she claimed she declinded the attempted fraud on our checking account. 

Approximately three hours later around XXXX XXXX, Citibank called and indicated that there was a {$2000.00} wire that was just sent out from our checking account. I stated that we did not send out a {$2000.00} wire on XX/XX/21. 

The Citibank representative shared with me that the wire was sent to another Citibank Account, to a woman named XXXX XXXX. I was told the fraudulent wire was caught quickly and flagged as a fraud and it would be easy to recover the funds and I would be reimbursed. I have attached police report and letters from Citibank declining my compliant and my demand of the {$2000.00}.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX Credit Bureaus to fix 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-03-25
Company: InvestiNet LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today stating I owe {$3300.00} from a company called XXXX XXXX XXXX XXXX in XXXX, South Carolina on XX/XX/XXXX. Its impossible i never went to XXXX, Sc in XX/XX/XXXX, the last time I was in south Carolina was back in XXXX and never made any outstanding bills from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquires I did not authorize were done 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 2022-06-22
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX HAS XXXX MORTGAGES ON HIS HOUSE, THE XXXX ONE IS WITH KEY BANK, IT TOOK US XXXX YRS TO GET A SHORT SALE APPROVAL WITH XXXX ( XXXX XXXX XXXX XXXX 
WE FINNALLY GOT A PRE APPROVAL ON XX/XX/XXXX. WE CALLED KEY BANK AND INFORMED THEM, THEY IMIDALTY SENT OUT A SHORT SALE PACKAGE, AND WE SUBMITTED IT ON THE XXXX, WE WERE MISSING SOCIAL SECURITY AWARD LETTER, OFFICAL APPROVAL LETTER AND HUD STATEMENT. 
THE HUD AND TITLE WERE SUBMITTED ON XX/XX/XXXX. ON XX/XX/XXXX WE WERE TOLD THEY NEEDED BANK STATEMENTS, I WAS INFMORED BY THE SELLER HE HAD NONE. NORMLLY ON A SHORT SALE A BANK WILL NOT REQUIRE ANYTHING IF THEY DONT USE A BANK. THEN THEY WANTED THE CASHED CHECKS FROM SSI, WHEN EVERY LENDER USES THE AWARD LETTER. I TOLD THEM OTHER LENDERS DONT REQUIRE THIS, AND WE HAD A FC DATE, THAT WAS INCLUDED IN THE ORGINAL PACKAGE WITH A DATED XX/XX/XXXX. I ASKED FOR A ESCEPTION ON THE CASHED CHECKS, THIS WILL TAKE SEVERAL WEEKS, WE DONT HAVE, THE AWARD LETTER SHOUDL BE SUFFICANT. THEN ON XXXX WE GOT THE OFFICE SS APPROVAL FROM XXXX AND CLOSING DATE OF XX/XX/XXXX DUE TO THE FC DATE XXXX XX/XX/XXXX. 
THE GUY ON THE PHONE TRIED TO ARGUE WITH ME ON HOW FAST XXXX MTGS APPROVAL SHORT SALE AND THAT THE HAD NO NOTICE OF A FC DATE, MY AVG FOR XXXX YRS HAS BEEN XXXX HOURS. HE STATED THEY HAD NOT DOCUMENTS ON THE XXXX DATE, I INFORMED HIM IT WAS PART OF THE PACKAGE, AND HE DENIED IT, I THEN EMAILED THE ATTONREY AND HE STATED THEY WERE NOTIFIED ON BY STATUTORY NOTICE ON XX/XX/XXXX. AND HE UDPATED IT AGAIN. I WAS TOLD THE FILE WAS REVIEWED BY THE U/W BY 1 PERSONA AND THIS RUDE GUY SAID IT WASNT. 

WE NEED TO CLOSE SOON AND NEED THIER APRPOVAL, THEY KNOW THE XXXX MTG DETERMINES WHAT THE XXXX WILL GET. THEY HAVE THE APPROVAL WITH XXXX, CLOSING DATE, AND THE XXXX DATE DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After pulling my most recent credit report I notice an entry from an insurance company I have never used. I believe this to be XXXX and should be removed. 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 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX card was emptied on XXXXXXXX. Apparently a hacker hacked my checking account with Bank of America and transfer funds to their personal account with same  Bank of America. My case hasnt been resolved they said investigation will take 10 business days and might get a temporary credit if the claim is prolonged but there is no guarantee I will get my money XXXX nor temporary credit. I want to make a police report for identity theft and retrieve the fraudulent person to put criminal charges against them but bank wont give me their information only the last 4 of the thief individual.

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 2023-09-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: AL
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 reached out to all the bureaus to get these fraudulent accounts and inquiries off my report but nothing has changed at all. 

In accordance with the Fair Credit Reporting act they have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I reached out to them and spoken to a rep who stated that if I paid off my car they would also delete the late payment history as well. 

XXXX XXXX  Date Opened : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I am contacting to dispute a letter I received in the mail. This letter is for the collection of a XXXX account I never had. The creditor is XXXX the account number is XXXX the reference number is XXXX. I never had service with XXXX that would have rendered a bill or past due amount that would have ended up in collection. I have contacted XXXX SEVERAL times about this same account number they can not seem to find it every time I call. Please provide any documentation you may have regarding this account. I will not pay for a service I never had. Please contact XXXX as this information is inaccurate. 

I would like documentation from XXXX about this so-called service they provided with the attached account number Thank you 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 2022-06-22
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone applied for a credit card in my name and had it sent to my address. They got it out of the mail when I was at work and then proceeded to put in a change of address to a mailbox store. The only reason I found out was I just happened to check my credit report and seen it. I seen this card that I never applied for as well as an address I never lived at. I filed a police report for fraud and identity theft. I tried calling the credit card company but they would not do anything because I did not have the account number. I asked that how could I have an account number for a card I never opened up it does not show the account number in my credit report. I even disputed this on my credit report but they did nothing. The company is Avant LLC / Web Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 Bank Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy. 

! 5 U.S.S 1681 Section 604 A 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 2022-06-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request a correction of the following information that appears on my Equifax, XXXX, consumer report : The Account XXXX opened on XX/XX/2018 Is Inaccurate due to the balance owed the report shows I currently owe {$3800.00} to your company that I have already paid for the debt. XXXX XXXX XXXX XXXX was written off as a taxable debt by XXXX XXXXXXXX the original debt holder. With that being done a 1099c was supposed to be mailed to file on my income tax because debt is no longer considered debt by taxable income. I wanted this removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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 need to report the XXXX XXXX XXXX XXXX  for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late but their records are incorrect. Ive contacted the company & requested verifiable proof and they have failed to provide any verifiable documents. They have failed to comply with FCRA section 611 & are willfully noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP OXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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 The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.

Company response to consumer: Closed with explanation