BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my TD Bank/target card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to target to have this account blocked. I then spoke with target, and they said that the account was blocked because the credit bureaus had sent them a letter, stating that there was fraud on the account. This account was never in my initial dispute, or was any information provided by the credit bureaus for them to have this account blocked from being used. The creditor has not provided any proof of them receiving information from the credit bureaus to validate. I can also provide proof of my identity in a letter, stating that this account is not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX  card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have had a savings account in our Trust name with Chase Bank for approximately 20 years. On XX/XX/XXXX I bought a Certificate of Deposit for a large sum of money for a 3 month term at 4 %. On XX/XX/XXXX we received a letter from Chase that they needed us to come in and sign a Certificate of Trust Existence before XX/XX/XXXX to keep our accounts open. We did so on XX/XX/XXXX at XXXX. We received another letter from XXXX dated XX/XX/XXXX reminding us that they needed help to update information for the Trust when it is most convenient. I called on XX/XX/XXXX our customer rep ( no answer ). I then called the branch manager ( no answer ). So I called Customer Service. They told me that my savings account had been closed for inactivity. My last transaction was on XX/XX/XXXX. then the bank removed money to pay for my safety deposit box. I then drove to my branch of Chase Bank to talk to the bank manager to find that not only the savings account was closed, but also the CD as well. They were both closed on XX/XX/XXXX and checks were sent in the mail on the same day. Since then, they say the checks are in the mail and will not write me a balance for the closed accounts. I never received any notification that they were closing any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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:
Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX  : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.

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 2023-04-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-04-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My business was closed due to a ceiling collapse and I was unemployed for over half a year. During this time I struggled really bad in order to make my payments and didnt miss a single payment. Due to relying on my credit cards to help make ends meet, my balances became very high. I asked Chase bank if they could help me recover from this financial hardship and they continually say that account APRs are reviewed periodically. During this hardship, they increased my credit line; and have been reaping the benefits of exploiting my situation. I am paying over {$200.00} a month in INTEREST and am never going to make progress on lowering my balance if they are unwilling to assist me. When speaking with customer service, they refuse to connect me with anyone pertaining to my hardship or even to set up a payment plan with a temporary rate. Ive expressed that their actions are predatory and that I feel exploited. I would hate to assume that this pertains to race or anything of that nature, but I was taken aback by the complete and utter disregard for a loyal customer who CONTINUALLY makes timely payments for years. I have a perfect payment history on my credit profile and have also had a bank account with Chase for over 10 years.

Seeing as I bank with Chase, they knew EXACTLY what they were doing by increasing my credit line during my hardship and their unwillingness to assist makes me feel like I am just another victim of a big time bank and that Chase will not be held accountable for predatory actions/intent. Chase is experiencing record setting success at this time and it is clear why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-04-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some errors on my credit report that need to be deleted i am applying for a house and i need everything on my credit to be 100 % accurate according to FCRA. I have disputed these account and pointed out some violation they have reported on this collection and they did not comply with me and need to be deleted are listed below. 


Please delete this collections. 

XXXX XXXX acct # : XXXX Amount : {$8800.00} XXXX XXXX 
acct # : XXXX amount : {$420.00} Please delete this charge-offs XXXX XXXX  acct # : XXXX Amount : {$580.00} XXXX XXXX acct # : XXXX Amount : {$480.00} XXXX XXXX acct # : XXXX Amount : {$4900.00} These accounts are violating 15 U.S. Code 1692e - False or misleading representations code ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

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 2023-04-16
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XXXX I received notice from XXXX that an account was opened or attempted to open using my SSN with PNC Bank N.A . I have never applied for anything with PNC and and any application they have received is fraudulent. 

I immediately attempted to contact PNC Bank and they refused to act on my complaint. They refused to acknowledge that they received any application using my SSN. They subsequently refused to reveal what, if any credit reporting agency or specialty credit reporting agency they accessed to obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: MOHELA
State: PR
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:
In accordance with the fair credit Reporting Act Accounts # XXXX, and Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15U.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 account under an open end consumer credit plan as late for any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: United PanAm Financial Corp.
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:
I XXXX XXXX contacted these creditors and the reporting agencies multiple times to remove these accounts from reporting to my consumers report. It's a violation of consumer law and I will start seeking legal action if items and accounts are not removed within 45 days of this report dated XX/XX/XXXX! I also attached previous letters that were sent certified to the reporting agencies and creditors as well. More letters are available as well with dates of the year XXXX showing you multiple times I asked for these reports to be removed. If more letters are needed please be free to contact I XXXX XXXX. The accounts are XXXX XXXX XXXX XXXX * account number XXXX XXXX XXXX *account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I REQUESTED DEBT VALIDATION FROM THE COLLECTION COMPANY AND WHAT I RECEIVED WAS NOT A VALIDATION THAT I INCURRED THE DEBT. I RECEIVED TWO DIFFERENT HOSPITAL LEDGERS. 

ALSO THE COLLECTION COMPANY VIOLATED LAW WHEN AN ADDITIONAL CREDIT ACCOUNT WAS ADDED TO MY CREDIT REPORT AFTER I SUBMITTED REQUEST TO VALIDATE DATE. 

DATE VALDATION REQUEST-XX/XX/20 RESPONSE RECEIVE-XX/XX/20

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 2023-04-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
as of XX/XX/XXXX have notice fraud accounts n inquiries on my credit report ACCORDINGLY " FAIR CARES ACT '' LAW THESE FRAUD ACCOUNTS ETC MUST BE PERMANATLY AND INDEFINITLEY! 
list of fraud inquiries that must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased my XXXX XXXX XXXX in XX/XX/XXXX, i made an outstanding balance payment in XXXX ( past due XXXX ) {$1300.00}. My portal shows late fee, monthly payment amount, and total. My current balance is {$920.00} ( {$460.00} car payment + {$450.00} late fees ) ( late fees from XX/XX/XXXX ), my portal does not have an option to pay the late fees separately, only the full balance or car payment. I then speak to a ACA rep ( XXXX ) that informs me that late fees are processed and paid separately and that the balance I previously paid did not cover any of the late fees EVER ( because I did not know you had to call separately to pay over the phone ). I then speak to a rep from XXXX that informs me that I have to call and pay through an actual customer service rep and that they do not process late payments online. The portal does not inform you to call anyone to make late fee payments. The XXXX rep then informs me that the unpaid {$450.00} in late fees would be applied to my XXXX monthly payment, however there will still be a small balance of {$12.00} because my monthly payments are {$460.00}, she then tells me that if the {$12.00} balance is not paid by the due that another late fee of {$23.00} will be added but when the {$12.00} rolls over to XXXX payment the late fee isnt added, my new balance for the month of XXXX will be {$470.00}. I asked for my options on giving the car back because at this point thats {$30000.00} on a {$16000.00} car! Absolutely absurd!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a victim of identify theft and fraud through XXXX XXXX on XX/XX/2019. Someone used my info to purchase cell phones totaling {$4200.00}. I was unaware until i pulled a credit report to make a purchase and learned about the account 's delinquency. 
I worked with XXXX for months to clear my name of this event, which they cleared via email on XX/XX/2019, including notifications to all 3 credit reporting bureaus : XXXX, Equifax, and XXXX. I have had phone conversations with each company to get this resolved and removed from my credit report without success. 
Current status : * XXXX- Still showing delinquent, historical payments * Equifax- Still showing delinquent, historical payaments * XXXX- shows current delinquent payments The failure of these bereaus to immediately correct this inaccuracy has had an effect on my mental health and personal finances, resulting in tremendous amount of added work when trying to get a home mortgage, in addition to a loan denial for a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
exerian dosent even have my correct last four of my social security number so how is there any collection and delinquent past due accounts on my credit report? if the social dont match? ill tell you because there not verifying nothing thats reported. because the more info the more profit they make only when i try to remove fraudelent items do they do everything they can to keep as much data they can. more data equals more profits so they have an financal intrest to not delete any data thus a conflict if intrest results discrimination. im being discriminated and as a 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