BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
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  account # XXXX XXXX mortgage, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXXe

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 2022-06-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S.C 1681 section 602 A. states that I have the right to privacy! Also 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The following accounts have violated my rights : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. XXXX added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
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:
XX/XX/2023 I used my Chase debit card to buy {$130.00} worth of clothes from XXXX website. I used the XXXX payment installation plan where I would pay about XXXX $ a month until the amount was paid off. I was excited for my clothes, when I shopped online for them I spent 2 days looking through all the clothes and looking at size guides and reviews of other clients who previously bougth the same product and described their body to be like mine. I followed XXXX size guide. When I received the items and tried them all on I was depressed that there was nothing that fit as described and the outfits alone are not even the same material they describe in the website. So I returned the items ( order for return from XXXX is # XXXX and my USPS tracking number for the clothes I returned is # XXXX ) I have called my bank and they claimed they only can recover up to XXXX $ per year for me in transactions and I aparently exceeded that- never had I heard of this before nor until this year have I used the services of my bank to request my money to be recovered. I reached out to XXXX to have them release the funds to my bank they laughed at me and refused and told me to call XXXX XXXX XXXX has only an email to reach out to and they said they will not help release my fund back to my bank and they also have my items i returned. Now XXXX is trying to send the rest of the money I " owe '' to a debt collection agency when I dont even have the products I SPENT that money on!! I have reached out to XXXX and filed a complaint on XXXX but they are a huge entity and likely not to return the messages. I want my cash refunded back and I also want my credit to be repaired if they did send my debt to a collection agency. I am not sure what else to do at this point I want to take legal action but the amount of costs is so small I am unsure anyone will take me seriously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: NC
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 filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. XXXX added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made use of the work Number from Equifax to verify employment. Upon getting a report it showed my last date of employment as XX/XX/2022 and no other information after that. As I am applying for loans, this represents a problem because I am still currently employed. I was told I needed to file a complaint and then they would contact the company and be able to fix the issue of why it hasn't updated. We discussed my change of role in the company and I asked if that would be an issue, and they said no. I received a letter stating that the investigation was complete and that the information was accurate. As I am still showing up for work and getting paychecks, I know that to not be true. I called the number on the letter I received and they said they were the department to help me. They said, however, they do not have to access to the dispute, and they can not contact those that do have access to the dispute. They said the only thing they can do is open a new dispute and provide me an e-mail to my company so I can contact them in order to get my company to fix the issue. They were emphatic that my company is giving them the information, and there is nothing they can do about it except open a new dispute and that they have zero contact information for the people that did the investigation for the previous dispute They have refused to tell me how they investigated the issue and will not discuss the dispute any further and will only open a new dispute. My conversation to try and resolve the issue ended with being put on hold when I asked for a supervisor and the call being dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: LA
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:
Please make appropriate corrections reported as late payments on XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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: Mercedes Benz Financial Services
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is in connection with the resolution of my previous complaint XXXX dated XX/XX/2022 The earlier complaint was with regards to several months of delay in finally completing the end of lease purchase. The company sent me a mail asking me the compensation expected for the inordinate delay. I had mailed them the expected compensation through their secured mail as well as a normal email to XXXX XXXX who was coordinating with me on this case. After a couple of reminders and follow up, I am yet to hear from them nor have they sent me the compensation. 

I would like Mercedez benz compensate me as I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is refusing and has been refusing to post correct information or refusing to delete incorrect information. My name is XXXX XXXX XXXX XXXX My birthday is XXXX at some point last year Transunion changed my birthday to XXXX. They made this change without verifying the information or contacting me to warn me of possible identity theft. By the time I was told what was being reported it was too late. Damage had been done. i have been denied housing, jobs and funds. I have been denied help and been denied the chance to speak my truth. Transunion has taken away my chance of living a typical American life. Instead, i am now homeless, eating out of trash cans and begging for pocket change. I have disputed faulty accounts repeatedly. Transunion will take the accounts down only to repost to the next buyer of the debt that wasn't mine to begin with. How are they allowed to hold a person 's future in the posted information that they are obviously paid to add to a credit report without any investigation. I thought that the big XXXX agencies were here to protect the consumer. The only thing being protected now is the bottom line. the bottom line that is made up of the very consumers private information that is sold by the very company that is sworn to protect. when will this company be held accountable? I want my life back. I want my chance to live the American dream without being terrorized by Transunion. only dream I'm a part of is a nightmare. How much is my life worth??? I guess I'll find out with the answer to this complaint. 

XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-09-08
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The 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. 

1. Account Name XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} 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 non-monetary relief
Consumer complaint received 2022-08-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I bank with Chase and they offer a payment service called XXXX. On Saturday, XX/XX/2022 around XXXX pm I sent XXXX to my XXXX for a tuition payment she was to make with our XXXX university. The money can be sent by referencing either the email address or phone number. The information is stored in a software setting for on-going transactions. I often send various amounts of money by my wifes email with no problem. For some reason this time it went by her phone number. Her phone number is XXXX. The number saved as XXXX XXXX was XXXX Anyway, the next day my XXXX told me she never got the money. I talked to Chase Customer Service that early XXXX and they told me they would launch an investigation. A week or so later I got an email stating that they tried to contact the owner of the phone number. 

I left a message for the person to call me but never heard anything back from them. My bank told me they would try to get my money back. 

I find it very interesting that this number is not in the XXXX network but yet an email was sent with instructions on how to download the money. I am not sure why the number was used this time and nor the email address. The {$5000.00} amount was listed on the email with my name referenced. 

Here is my activity form the bank. 

We sent money from XXXX XXXX XXXX ( ... XXXX ). 
Mobile number XXXX Transaction number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. XXXX and XXXX have removed XXXX XXXX from my credit report but Trans Union is keeping it there they said its verified but they do not have a copy of the original contract for the 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 2023-02-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To ensure complaint of most up-to-date, accurate, and correct personal information being reported in the credit file at all time. 
Hence, my credit file is not confused with people of similar name, Date of Birth, address or SSN.

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 2022-08-21
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Barclays Bank continues to report to the credit bureaus as an account that was charged off. I've tried disputing it on the credit bureaus and my dispute actually messed things up work. I filed and was XXXX in XXXX XXXX XXXX years ago, as of XXXX Barclays decided to list my account as a charge off and report a serious delinquency and recent late payment on XX/XX/22. It dropped my XXXX  score over XXXX points.

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 2023-09-16
Company: EQUIFAX, INC.
State: FL
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$750.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: PA
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. The list of accounts below had violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate theses Accounts : XXXX  Financial account # XXXX XXXX XXXX account # : XXXXXXXX XXXX XXXXXXXX account # : XXXX XXXX XXXX XXXX  account # : XXXX XXXX XXXX XXXX account # XXXX XXXX  as ( Orgingial XXXX XXXX XXXX XXXXXXXX ) account number # : XXXXXXXX XXXX ( Orgingial Creditor : XXXX XXXX XXXX ) account # : XXXXXXXX XXXX account # : XXXXXXXX XXXX account # XXXX 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 : Its 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 information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U. S. C 1681 ( A ) ( 1 ) a person shall no 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. Also they aren't even in compliance with metro credit reporting. I have Evidence to prove my case

Company response to consumer: Closed with non-monetary relief