BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I received a notification from my Transunion account that I processed a hard inquiry with a company by the name of " XXXX XXXX ''. I do not have a relationship with this company, use their services, or rent a home to need to use their services. This was an attempt to use my identity without my consent. Upon discovering this attempt of fraud I froze my Transunion credit and all other bureaus. Fortunately, this company did not run hard inquiries on XXXX or XXXX. However, in order to remove this inquiry and protect my identity Transunion requested that I submit a request to the CFPB in order to proceed with the fraud removal of the inquiry. 

XXXX XXXX. Location : XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2022-06-08
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PLAZA SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Has been sending me collection notices in the amount have {$5200.00}. This debt is not mines. I do not know this Company. I have never been business with this Company. The Company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 1. XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX OF XXXX Inquired on XX/XX/XXXX 4. XXXX BANK Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX 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 2023-07-22
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:
On XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is to inform the CFPB that as of today, The Equifax 's e-Oscar web based automated system which enables data furnishers and the credit reporting agency to respond to consumer complaint has been unresponsive to my various requests and complaints. In regards to the following accounts ; The XXXX XXXX XXXX Partial account number XXXX The XXXX XXXX XXXX Partial account number XXXX XXXX XXXX. partial account number XXXX. 
Due to the remarkable amount of data breach with this particular consumer reporting agency ; I have found it very necessary to exercise my right under the XXXX XXXX XXXX XXXX. Which requires financial institutions of companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing, The law also states that a privacy notice must be provided when a costumer relationship is established. and costumers have the right to opt out and there have been no changes in previous policy notice. This company has failed in respecting my rights regardless of my complaints submitted on XX/XX/22 complaint number XXXX and my initial complaint on XX/XX/22 number XXXX,.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account with XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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 2022-09-24
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mercantile Adjustment Bureau has reported a {$680.00} debt on my credit report that I do not owe to them.

I have never had any business dealings with Mercantile Adjustment Bureau. 

I have never purchased any goods or service, whether on cash or credit from Merchantile Adjustment Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company applies the majority of my payment to interest and very little to principal. According to my XX/XX/XXXX XXXX statement, my payment was {$600.00}. {$200.00} was applied to the principal and XXXX was interest. Some months Chase charges for escrow although I pay my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank ( Account Owner : XXXX XXXX ) is claiming that fraudulent activity is being performed with my account ( without checking with the account owner that the activity was fraudulent ) and is freezing access to the account until an investigation is complete, which could take several weeks to several months to complete. Meanwhile there is no supervisor that can be talked to, no storefront to go into and the employees do not have any identifying information ( such an employee id, last name, email or phone number ). 

They will not close the account, allow me to login, or perform any actions that will allow me access to the cash in my savings account. They are holding my cash hostage for an unknown amount of time. There is currently almost {$12000.00} cash in the account, which I need to pay rent.

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 2023-07-22
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:
On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-19
Company: EQUIFAX, 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:
In accordance with the fair credit reporting Act 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING. HARD INQUIRIES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$680.00} XXXX {$20000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$20000.00} XXXX The XXXXXXXX XXXX XXXXXXXX Department of Education all XXXX loan accounts. 
EXTRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: VA
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:
This is incorrect! I've never been late on this one! I'm always on time with my payments. This is incorrect information. By reporting this false information, you are harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, 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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I went to take out an auto loan last month and found out I had my identity stolen, I immediately filed a police report and contacted each creditor and consumer reporting agency. I spoke with a XXXX XXXX from the company Williams and Fudge Inc. a debt collection agency. XXXX has refused to provide any documentation in regards to this fraud and I have sent multiple letters that included, FTC identity theft report, identity theft affidavit ( which was also notarized ), a police report from my local sheriffs office and proof of identity. The company has failed to remove and stop reporting this identity theft and is in clear violation of the law. I will be contacting the XXXX  and their states attorney generals office. Please see attachments!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
For three months ( since XX/XX/XXXX ) I have requested error corrections at the bureau level on my credit report with XXXX with no resolve. XXXX refuses to remove erroneous information that I was late - reported to my credit report and in fact I show that they have never even investigated this file. 
I received a stall letter however that everyone seems to have gotten that I know who has tried to fix their credit this year saying that they applaud me for my attempt to fix credit and they have ceased my investigations. 
There are erroneous student loan lates reported to my credit report and it has never been investigated. 

They ( XXXX ) report me as closed since XXXX I don't believe based on how this reports should be there at all. Date last active is diff, date last reported.. 

Furthermore, Equifax reports payment activity on a closed account, and they just marked me as 120 days late in XXXX of XXXX! This isn't possible! it's a closed account. and XXXX  reports nothing. it's a hot mess the laws clearly state it can not be on my report if it's not 100 % acurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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 using a debit or ATM card

Complaint:
Me and my mother was give some information from a family friend that said they were going through a similar situation and they had a Second chance company that helped them named XXXX XXXX.I was provided the contact information for XXXX XXXX 

On XX/XX/XXXX I have reached out to XXXX XXXX and spoke to a representative named XXXX. I informed XXXX about me and my mother 's issues with finding apartments that we can get approved for, due to our credit issues. He assured me that he could assist, he discussed payment and what to expect. XXXX told me that their company would be the guarantor of the contract for whatever apartment I choose. 
I talked this over with my mom and we agreed to send the money. I talked to XXXX and filled out of a form of where me and my would like to be located with the needed amenities. He gave me all of the avaliable Payment methods. We figured XXXX would be the best option. I gave XXXX {$600.00} XXXX, to the XXXX account. XXXX told me that he would send an Apartment list with what is needed, with the XXXX XXXX to me, so we can go visit the apartments within 48 Hours. 

I have yet to receive an Apartment list. I have tried reaching out to XXXX and I haven't not a received a response thus far. 

On XX/XX/XXXX I reached out to Chase to see if someone could assist. I spoke to a representative who stated that I would have to speak to XXXX regarding the manner ; and I was transferrred over. I spoke to another representative, who stated since I willingly sent the money to the merchant ; they could not do anything. I asked to be transferred back to the previous department. However, the representative stated that there was not much more Chase could do either. 

Also, I requested my money back from XXXX XXXX and it was rejected. 

I have not received the services that I have paid for and I would just like my money back at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Up until XX/XX/XXXX statement, my interest rate was 16.49 %. XXXX statement it was increased to 16.99 %. XXXX statement it was increased to 17.74 %. 

On XX/XX/XXXX, I called Chase to complain that my interest rate had been increased without notice to me. They stated that they didn't even see my rate at 17.74 % and they showed it was even 18.49 %. I was transferred to a XXXX, XXXX. She said a letter was sent to me on XX/XX/XXXX that was mailed separately from my bill. She was going to have this re-sent to me. I also closed the account on this date. On XX/XX/XXXX, I received an email stating I had a letter, but when I went to my account online, there was no letter. 

The XXXX statement did show an increased interest rate again of 18.49 %. XXXX statement showed another increase of 19.24 %- on a CLOSED account! I also closed it when the last statement was at 17.74 %. 

On XX/XX/XXXX I called Chase again to inform them of this. It was confirmed that the account was closed on XXXX. I was also told that they have no control over XXXX, that I wasn't allowed the contact information for the department that is, and that the XXXX is subject to review XXXX time every 6 months. I requested all correspondence to be re-sent to me from the past year but they said they couldn't do that. She would request the last letter to be re-sent to me again. I received that in the mail, dated XXXX but with no explanation as to why they are continuing to increase my interest rate, nor did they send me proof of having ever given me a 30 day notice. In fact, my XXXX statement shows another increase to 19.99 % interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I mailed off letter certified receipt returned. I requested that accounts on my credit file with Experian. Be investigated for information being reported inaccurate on my credit file. I am filing this complaint in reference to not being notified of my investigation results that were filed. I have also not received any response to the investigation letter that was sent certified. The letter was stamped received on XX/XX/2022 concerning the accuracy of information being reported on my credit file. Per the federal mandated time for this investigation. By law is the 30 day mandated time allotted for the investigation results I am to be made aware of whom completed results, whom was contacted in reference to the investigation completed results, and how the investigation information was obtained. As, of the date of this letter XX/XX/2022 I have not received any investigation results, nor have I received a updated copy of my credit report. From Experian credit bureau the non compliance of the results requested. Is in direct violation of my constitutional rights 15 USC 1681.

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 2022-06-08
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I moved my banking from this institution to another institution in XXXX XXXX XXXX  Payments were authorized on the account dating back to XX/XX/XXXX and I was not notified that my account was overdrawn until OVER NINETEEN DAYS LATER. I asked why I was not notified that I was overdrawn and I was told that 3 letters were sent, none of which I have received. I have verified my address and while it is correct, I have not received the letters. I was also not sent push notifications through their mobile app ( Which I have set up ) nor was I sent any text or phone notifications about the account being overdrawn. To date, I have incurred over XXXX dollars in fees that I can not pay and should not have to pay. When I brought it to their attention they REFUSED to do anything about it because " I've had other fees reversed on my account ''. When I explained that those fees were due to fraud on my account that I did not authorize, they still refused to do anything about it. This is an Unfair and Abusive practice and I want it to be investigated and righted because this is absolutely unacceptable.

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 2022-08-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I would like to state that XXXX, Experian, and XXXX is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX, Experian, or XXXX written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, Experian, and XXXX to furnish these inaccuracies on my consumer credit report XXXX cause me to lose confidence in the banking system. If XXXX, Experian, and XXXX wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.

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 2022-12-05
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB, My card is associated with apple account : XXXX My Apple Credit Card ( Goldman Sachs ) is closed for no reason. They locked my card on XX/XX/2022 and told me to contact customer service, however, every time I contacted them, they did not give me a specific answer. They always told me that some one from an internal team will call me back. They did not give me a reason why my account is restricted. On XX/XX/2022 they closed my account with no notice and pre-notice or anything. They closed my account with out any reasons to me. This really hurt my financial situation and health. Please help me appeal them. Please see attached file for the conversation. They told me they restricted my account to protect me, and then they closed it.

Company response to consumer: Closed with explanation