BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


Sincerely, 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 2022-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested PMI be dropped numerous times and citizens bank refuses. My original loan was for {$290000.00} and now I owe about {$220000.00} which is about $ XXXX lower than the automatic cutoff of PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called and filed a charge back for 5 charges on my account from BOA. They only paid me for 4 and then they did not put a stop payment and the company was able to debit my account 2 more time. I first filed in XXXX or XXXX. For 5 charges for XXXX. They only payed me for 4 transactions then they went into my account 2 more times after I was told that is was a stop payment. I have been with BOA for a long time. Thus is not right. So are you saying that the company that never gave me any services get to keep my {$94.00}. The people at BOA are becoming very rude.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX Account XXXX  XXXX Balance {$12000.00} Does not 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 2023-05-23
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
GC services garnishes my bank account for {$900.00} for reasons unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BlueChip Financial
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I tried to call but no one answered. So send emails. They did not respond the the first to times. I did not read the fine print closely on this loan. I though this was for 10 months. I did not know this loan was for a whole year at $ XXXX. It was thrown my finances into disarray. I am XXXX XXXX XXXX XXXX  woman. For {$500.00}, I am to pay them over {$2000.00}. 


Date Amount XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} Total Fees {$0.00} I have sent Spotloan a letter to revoking them drafting money out of my banking account. I have paid the {$62.00} to stop payments ( XX/XX/XXXX and XXXX ). So I could resolve this issue but there payments are still going through. I have never had this problem before. I can not change bank accounts because of this. 
I do not know anything else to do. 
Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am formally disputing an account that I have learned has been made, opened under my name and social security number. I did not open or apply for this account and have not authorized anyone else to do so for me. Kindly to delete this account as its harming my credit.

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 2023-06-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as 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 explanation
Consumer complaint received 2022-12-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was informed XXXX XXXX XXXX filed suit of a credit account they purchased in Small Claims court. I asked for information on the original credit card company and was denied any information on a old Credit card dispute over XXXX XXXX years ago. I am on a XXXX XXXX XXXX as of XXXX. The last payment was in XX/XX/XXXX but was told to get a copy or statements from XXXX XXXX XXXX I would have to pay all late fees and over limit fees FIRST... The dispute is the original Credit card XXXX would Post most payments on the day after the due date every month. I made a point to MAIL all payments in XXXX weeks prior to due dates ... After multiple attempts of trying to resolve the dispute and having my dispute filed to Credit Bureau .... The harrassment was overwhelming and the only recourse was to close the account which I did in XXXX. XXXX of the amount they claim I owe are Fraudulent Late Fees that continued for years. I am on a XXXX XXXX Permanent medical XXXX. Thank you for any assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: 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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and 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

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 2023-04-10
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:
When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I notices unauthorized inquiries on my credit report that I would like removed according to the FCRA these unverified and unauthorized items must be removed this isnt my first time writing on filing complaint about these inquiries either.

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 2022-11-27
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:
I'm no longer an authorized user or financially responsible since 2009 for XXXX card acct # 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 2023-05-23
Company: Alpha Recovery Corp
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt from XXXX XXXX XXXX that went into collections and was contacted by Alpha Recovery Corp for the balance of {$1200.00}. I agreed to settle this debt for a lower amount of {$1000.00} in XXXX of 2022 and a payment plan was set up which was completed in XX/XX/2022. I have now been informed through my credit report that I owe a balance of {$360.00} to XXXX XXXX XXXX. Alpha recovery Corp has since been permanently closed and I am unable to obtain records through them. I have asked XXXX XXXX XXXX where the {$360.00} came from as this amount does not match my records. They were unable to obtain a breakdown of where the {$360.00} balance came from or how it was calculated. Instead, I was given another opportunity to settle the debt that had already been paid for {$100.00} stating this was the balance still owed per the settlement agreement. I have email correspondence from Alpha Recovery Corp outlining the initial settlement agreement and I have bank statements showing proof of my payments. I never received any correspondence from Alpha Recovery Corp or XXXX XXXX XXXX that this debt has not been paid or settled as agreed and the only correspondence I have received was through the credit reporting bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to purchase a vehicle and credit card in my name and I need the following removed from my credit report that's listed in the report.

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 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am Bank Of America account holder and I had a check for {$6000.00} from XXXX XXXX that I needed to cash. The check was also drawn from Bank Of America. I provided the teller with with my passport, my social security card and my drivers license. She pulled my account up and said that in order to cash the check she would need to see my physical debit card or a debit card from any other financial institution, which I could not provide her with because as she could clearly see on her screen, my debit card was still on its way to me in the mail. 
I had no other choice then to go to a XXXX XXXX location and spend {$350.00} for their check cashing services. 
I spoke to several specialists at their customer service center who all told me that I had every right to have my check cashed and that this should never have happened. 
The customer service center suggested that I go directly into the branch where this took place and request to be reimbursed for the check cashing fee from the branch manager. The next day I went back into the branch and sat down with the branch manager. Before I told him why I was there, I asked him a few questions about their check cashing policies for account holders cashing checks drawn by the same bank. 
The branch manager said, " Yes, we absolutely cash checks. We would even cash a check up to {$50000.00} we would just request you call ahead so we can let you know if we have that much cash available " After I told him why I was there, showed him my reciept from XXXX XXXX and explained to him what had happened, he all of the sudden claimed he had no authority to do anything for me whatsoever. He did tell me though that if the system had automatically asked the teller to provide her with anymore ID verification ( like she claimed it had and the only option was a debit card in the mail ), there are actually several options the system allows a teller to choose from, which this teller did not do. 
I feel like I was discriminated against for being a private contractor and for my profession. 
This bank is guilty of Wrongful Dishoner ( defined in 4-105 ( b ), negligence and misconduct. I was embarrassed and left the branch location in tears by the way I was treated. I would like the {$350.00} I spent having to go somewhere else to cash a check because this bank failed to provide me with proper service. These people at the physical branch will take absolutely no responsibility for anything and have continued to make this entire situation as painful as they possibly can for 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 explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: IL
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:
I sent a letter XX/XX/22 also XX/XX/22 asking Experian, XXXX, and XXXX to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below

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 2023-02-21
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:
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 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 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 2023-02-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My problems started when I responded to a house located at XXXX XXXX XXXX, that I am interested in purchasing. It was listed by XXXX XXXX in XXXX, Ohio. He told me to contact XXXX XXXX XXXX - XXXX XXXX XXXX I received an email from her that XXXX XXXX had forwarded my info to her- who in turn recommended that I complete an online application at XXXX, to pre-qualify. I did this late Tuesday night XXXX, XXXX, XXXX.In this application, I was asked about where I bank- I put in Chase Bank ; but no account numbers were included. Immediately, afterwards, I received an email from her that she would be in touch with me to go over my application. On Friday Morning at XXXX XXXX. I started receiving text messages from XXXX, and from XXXX ; and XXXX that there were issues with my Chase Bank Accounts. 
Someone was trying to gain access and was trying to reset my passwords. I went into the online application to reset my passwords. The very next thing that happened was I started getting messages from XXXX XXXX that there was a {$180.00} transaction at XXXX XXXX XXXX, and wanted to know if it was me. I tried to respond by texting No but I continued to get- transmission failed. 
I contacted XXXX XXXX Support but they were closed. Their message to me was that there had been several attempts to access the account, and to try back in 24hrs. 
Please note : This XXXX XXXX is connected to one of the the very bank accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: ID
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 believe I'm a victim of fraud for some reason I have 12 hard inquiries In the last 12 months that were not done by me. I have reached out multiple time to these companies and never got.a.response back. For them to remove them.

Company response to consumer: Closed with explanation