BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2022-08-02
Company: Experian Information Solutions Inc.
State: TX
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 have tried to get validation of a debt that appears on my consumer report. I have sent request on XXXX, XX/XX/22 and XX/XX/22 with no response from the consumer reporting agency ( Experian ). I requested that the account be validated or deleted and to date, no response has be forthcoming.

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 2022-08-24
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
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
Consumer complaint received 2022-08-02
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Told me I had a simple loan qnd it was charging me 7.47 percent a day on this loan but when I got the loan it was 20 percent.every month they take XXXX dollars out of the XXXX I pay on the loan .so the loan isn't going down it goes right pack up every month.i paid over XXXX dollars on this loan .they have only taken XXXX dollars of the balance. This company is GENERAL MOTORS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
First off on the IKEA site if you wish to make application for an IKEA credit card ( which is a commenity bank credit card ) the message is the site is under construction and application needs to be made at an IKEA location. I drove to IKEA and customer service was not able to take an application. I took care of it via a phone call to commenity while I was at the IKEA store. I told them I had a freeze on my credit reports and they needed to contact me on the phone number to confirm my identity. I was told they did not do this and I needed to remove the freeze. I made application on XX/XX/XXXX. I removed the freeze with an end date of XX/XX/XXXX. ( FYI the freeze is still removed as of XXXX XXXX 2022 ) On XX/XX/XXXX I called Commenity bank to hear if the application had been approved and to let them know the freeze was going to be reinsatlled the following day. They were unable to give me a status on the application. My scores were well over 800 at the time. 100 percent of full payments made on time for all of my accounts over the past 25 plus years. I received a letter stating they did not approve the application due to inabiility to verify previous credit report. letter was dated XX/XX/XXXX. 
They NEVER ran a credit report with XXXX so how can they deny the application? 
I made 9 calls to commenity XXXX XXXX XXXX and was on hold for over half an hour each time trying to get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: TN
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  XXXX XXXX account # XXXX, has violated my rights. 

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I have presented Suntrust promotion bonus {$200.00} and {$500.00} to the banker who opened two brand new checking accounts ( one business checking account and one personal checking account ) as the new accounts conditions. By the end of XX/XX/XXXX I have completed business checking account promotion requirements : accumulated deposit {$1500.00}. However until now XX/XX/XXXX under my numerous times requests, Suntrust never paid {$200.00} bonus plus penalty. Since XX/XX/XXXX I have sent {$5000.00} per month request for money to the debtor such as XXXX XXXX XXXX county Maryland, U.S. Department of Health and Human Services, IRS etc to collect debt by using XXXX - the electronic funds transfer. I kept requesting money from XXXX to XX/XX/XXXX every month. Except for this, I also sent several emails to Suntrust and other financial institutions such as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX to return my stolen funds {$9800.00} plus all fees from XXXX XXXX  XXXX and {$68000.00} plus all fees from XXXX XXXX XXXX as well as additional stolen funds {$750.00} plus fees from a third party company. Please see my previous CFPB Complaints. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have visited Suntrust Bank three times in person to demand promotion bonus {$700.00} plus penalty for illegally withdrawal client funds {$20.00} for six times. Under my numerous times requests, {$700.00} bonus and penalty for illegally withdrawal client funds {$20.00} ( six times ) never paid. The other issues such as mobile deposit can't be used. Therefore I am asking Suntrust to pay all listed above immediately. Please contact me for attachment.

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 2022-10-22
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been sent multiple notices for collection of payment that has already been paid. 

I have contacted AmerAssist Solutions Inc about a dental bill on XXXX XXXX, 2022 about looking into the matter. Additionally, I have supplied the receipt that was given to me as proof of payment of the bill. The contact then emailed me back stating they would follow up with me after contacting the company. I contacted them again XXXX XXXX to ask about the situation due to another collection notice sent to my home. On XXXX XXXX, 2022, they had replied that the account was not paid and I would need to contact the creditor company XXXX XXXX about further question, despite already showing proof of receipt. 

On the same day I contacted Amerassist Solution Inc, ( XXXX XXXX, 2022 ) I also emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was replied to the same day from the operations manager. I emailed the same receipts I did AmerAssist and XXXX XXXX stated that they would look into situation and have the situation resolved. XXXX Smiles failed to contact me about the bill following my initial emaiI. I contacted XXXX XXXX again on XXXX XXXX and XXXX XXXX asking for an update but still did not receive a reply. 

Despite trying to resolve the issue with both companies, I have instead been sent a notice about how the proposed bill will affect my credit. These XXXX companies have been grossly negligent in trying to resolve this issue as I been given no assistance in the matter as well as being ignored by both companies. 

Attached are the files that include the receipt showing proof of purchase, along with the statement from my bank account

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: GA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) 61956**Balance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/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 2022-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
( Chase XXXX XXXX. XXXX ). My son is a Chase Bank customer. His rent check dated XX/XX/XXXX to his landlord for {$1300.00} was stolen from the mailbox and cashed by the criminal on XX/XX/XXXX at XXXX XXXX. Chase deducted that amount from my son 's account. My son reported this to Chase and filed a claim in XX/XX/XXXX with all the required info. Chase told him several times in XXXX that it would take 60-90 days to get his money back into his account. Since then, Chase has done nothing but give us the run-around, and to date still has not reimbursed my son 's account. Chase claims it is XXXX XXXX 's responsibility. Around XXXX XXXX, I called Chase again after no response or resolution in over 5 months, and Chase promised they would " escalate '' it internally and be " on top of it. '' But nothing happened. On XX/XX/XXXX, Chase mailed my son and claimed again it was XXXX XXXX 's responsibility and that they would close the claim if XXXX XXXX does not respond. I spoke to Chase several times in the last 2 weeks, and they again promised to escalate it. Nothing happened. On XX/XX/XXXX Chase told me that they are waiting on XXXX XXXX. Meantime, I have spoken to XXXX XXXX and they tell me it is Chase 's responsibility. It has been now nearly nine months and my son still has not been reimbursed the {$1300.00} stolen out of his Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CUSTOMERS BANCORP, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit inquiry report from XXXX. XXXX XXXXXXXXCustomers Bank XXXX XXXX copy of my credit report on XX/XX/2022. I don't know this company nor did I have any business with them or initiate opening an account. I called customer service and they can not find any record of an inquiry in my name. I then spoke to XXXX and they stated that someone likely may have attempted to open an account in another name using my SS number! XXXX strongly suggested that I start this complaint with you.

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 2022-08-24
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called and emailed Professional Finance letting them know for months now I have been paying XXXX XXXX XXXX of Florida regularly not paying late since I got my bill & I have spoken with the company they said they were reporting to the company I was paying and I have receipts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: MO
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:
XX/XX/XXXX entered into forbearance plan with XXXX XXXX  XXXX XXXX  thru XXXX so 180 days prior to this date i should not have any late payments per the forbearance plan. 

XX/XX/XXXX wire transferred {$2800.00} XXXX XXXX XXXX sent us the wrong wire instructions and lost the money and took 12 months to finally locate the funds and credit our account. So anything after XX/XX/XXXX should not be late payments. We called numerous times to get this resolved. Spoke with XXXX XXXX during this entire year

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 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My contact is XXXX and I have multiple products with capital one, specifically this issue credit cards, ending in XXXX and XXXX. Last 4 of my ss XXXX I have now gone thru 3 identity verfications process with photos, calls to my bank, bank statements, etc over the last 3 to 6 months, each time resolved I'm now on my 3rd time of the same process over 6 months You outsourcer in the XXXX dropped the ball several times. 

Now being told again 14 to 20 days after working on this matter for the last 2 weeks. That would be a total to 4 to 6 weeks, 3rd time with this process I would like someone in mgmt to review why this is happening and get to a resolution please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion displays innacurrate employment information on report. I have never worked for XXXX XXXX. I work for 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