BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a Chase Client for over a decade. The reason why I am reaching out today is because of the situation In regards to two of my current Credit accounts i have. 

First is my Chase Freedom account and my XXXX XXXX account. 

Backtracking to XX/XX/2020 both my accounts were closed. I hadn't noticed this fact until around XXXX when I went to go use one of said cards. I had set up Automatic Payments this way so I wouldn't miss a payment. For some strange reason, on my XXXX Account instead of the minimum payment being automatically paid, the full amount of the card was being paid and returned. Meanwhile on my XXXX card the minimum had been paid. 

Once I figured this out I went to the XXXX in XXXX and spoke with XXXX XXXX who had put in a complaint for me. a gentleman reached out to me and understood the situation and this conversation concluded with this case being classified as a technical error. During the conversation the gentleman and I made an arrangement that because of what happened I could not fulfill the {$900.00} or so minimum payment that I had been asked to pay. He then said he would put a note in the system for me about it. He told me because of Covid there was some sort of deferral program that would allow me to hold off making payments. During this time I still had made minimum balance payments on my XXXX XXXX which also closed because of what happened to my XXXX XXXX. 

Fast forwarding to now, Long story short, someone committed fraud with my social security number and when I went to apply for Unemployment it restricted me from doing so. I went and sat with XXXX again and I explained the situation to her again. She put in another complaint for me. Someone from Credit services reached out to me, I told 3 different reps this same story. They wouldn't allow my accounts to be reopened, when i told them about the note that gentleman had left regarding the situation, I was told that there was no note. I then asked to play back the recording of the phone call and I was told that there was no call and that the person who was assisting me didn't have access to this, after i got transfered i explained the situation again and was told that the gentleman may have given me false information. The rep then agreed that it could have been a technical error and false information given to me. This is when I was transferred to XXXX and she gave me an executive email to contact. 




Thanks again for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 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 In accordance with the Fair Credit Reporting act 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

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 2022-09-20
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
The information they are displaying on my credit profile is factual inaccurate. In the Status : they state collection, government insurance claim.. but that factual true. Not to mention the last date Active. They certified all their information was correct. But this was not the case. I have enclosed a copy of my contract of Past- due debt owed but on an Agreed monthly installed monthly plan. Not what is and has been place on my credit profile over the last several years that I have been disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: AL
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 Account # XXXX has violated my rights. 

XXXX5 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 instruction.

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 2022-06-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Citibank XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. We purchased a TV from Best Buy in XXXX. Citi bank was the lender. The bill was paid off in XX/XX/XXXX. 
XXXX we were charged {$90.00}. We had not purchased anything. in XXXX I received a bill with penality attached and I contacted Citi and told them there must have been a mistake because we haven't purchased any products or service from Best Buy for over a yearr and our statement should be XXXX and was XXXX starting XX/XX/XXXX. They said they would fix the problem because it was a computer error. The next month I received another bill plus penaltys. Once again I called and I was told they would fix it but they could only take part of the paymenty off. It is XXXX XXXX and I received a threatning letter. I called once again and was transfered 8 times to 8 diffgerent people over an hour and fifteen minutes.. It was difficult to communicate because their connectiuon wasn't good going into their call center and most of the people weren't fluid in English and given instructions not to settle. That was from XXXX call..Please help and clear my account and I don't wish to do business with this FRAUDULANT COMPANY any more.

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 2022-09-20
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Jefferson capital systems LLC calls frequently and for the past week everday and after I have told them to stop calling me they continue to do so. they call from the following numbers XXXX and XXXX at different times of the day and I have spoke on the phone and told them to stop calling my number and have wrote to their company at this mailing address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Have not received a response yet they still call and they also use a robot dialer as when I do answer there is always a wait time before someone answers or the call will disconnect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Professional Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a FTC report stating that I was a victim of identity theft, I sent in proof that I Was incarcerated at the time when the actions that are reporting on my credit report happened. The FTC report was filed XX/XX/2021. I have also sent letters to XXXX  and XXXX  directly explaining my situation. Not only are the accounts NOT MINE, there is one account that is reporting three different time on each report being very damaging and obviously not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 2022-09-20
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX I noticed my cash app card was missing and an unauthorized transaction on my card for the amount of XXXX I then contacted cash app as well as reported my card lost and stolen I also set up a new password as well I then received something stating that it was my fault because I allowed someone to make a phone call on my phone that I had to allow them to do it or some how involved then I responded back just because I allowed someone to use my phone doesn't mean I have anyone permission and they where making alligation that did not no was true they then stated they where going to escalate the matter and it could take up to 45 days to give the card and consumer time to respond it's been 48 days and still no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the second time I have sent this CFPB complaint. This company has taken more than 45 days to correct the information. I have also sent my FTC identity theft report on here and certified mail green receipt, along with a method of verification. The company asked me to upload identification and report on the website but the website is not allowing me to do it, I am uploading everything again. I am aware that the CFPB gives the company all the information. My Identification has my address on it.

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 2023-08-17
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) 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. 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, PR 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 2022-07-28
Company: U.S. BANCORP
State: FL
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:
On XX/XX/2022, we sent by certified mail a letter from our attorney to US Bank stating to a change of our beneficiary to our new XXXX dated XX/XX/2022. On XX/XX/2022 we received a call from US Bank for more information. We told him what needed to be done and he said he would talk to the legal team and call us back XX/XX/2022. No call back from them. We called on XX/XX/2022 to find out if this was taken care of for the trust and were told our account would have to be closed first and reopened under a new account number. US Bank will charge us {$570.00} penalty for early withdrawal plus a {$30.00} fee for our {$19000.00} XXXX. We said these have got to be a mistake ; but she insisted this was right. All we wanted to do is just to change our beneficiary to our Trust. There was no way around it. At this point we were so frustrated and told her to send us the money and will not be returning to US Bank again. We had accounts with them for as long as they were open in XXXX XXXX, XXXX  some 20-30 years. 

What can we do now to get some compensation for these outrages penalties?

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 have some inquiries on my report that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
9-19-2022 Tried to transfer money to another bank. I couldnt do it. I called customer service. After being on hold for over 2-1/2 hours. I talked to 3 different people who finally told me my account was frozen because. It was dormant. Ally claimed I never went on line or I never returned to questionnaires they sent me, with their pre-addressed and postage paid envelope! I have done both! Now they claim I have to wait until they take my account our dormancy and if I cant do it on line, I will have to call them back. They are holding my money hostage!

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 2022-11-28
Company: Paramount GR Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
We obtained a loan from Good Leap through our solar company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to buy our solar system. The loan was for {$57000.00} and was taken out in XXXX XXXX XXXX. Little did we know the solar company was notorious for misleading customers, exaggerating the system capabilities, and scamming customers. When we learned we were victims of this scam we reached out to Good Leap for help. They turned us away saying we were responsible, and they somehow were able to quickly pull up information on our solar system that only the solar company has access to. This makes us wonder if the companies are affiliated. They told us our system was working and that we signed the loan so we had to pay regardless of the discrepancies in the contract. After a year of working with the solar company, they finally realized their error and were going to resolve it. A month later we received a letter that they were going out of business. Now there is no one that can honor the resolution. We are stuck paying for a system that under-preforms, a loan payment that exceeds any power bill we have ever received and a power bill from the lack of production. Before solar, we paid XXXX $ a month for power tops. Now we pay XXXX $ for the loan and anywhere from XXXX $ for power. Some months we are paying over XXXX $ for power! We were looking into the " the holder rule '' and are curious if that could apply in this situation. Other issues ; Also a side note we get weekly calls from Good Leap about our name being associated with a random person that also took out a loan with them. We get texts and calls stating we are responsible for his delinquent account. When we call they won't give us information about it. Another problem we have had is they on several occasions canceled our payment, making it late, which then made our monthly payment about XXXX $ higher. When we called they stated we called and canceled automatic payments and they could not fix the issue. It took us calling five different times and talking to several reps each time to get it fixed. 

I have submitted this complaint once. Good leap promised to resolve my issues and then refused to return my calls. My issue has not been resolved! I believe they are affiliated with the solar company and should be investigated for being apart of the scam XXXX XXXX XXXX created .

Company response to consumer: Closed with explanation