BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account states it was opened XX/XX/XXXX Last Reported XX/XX/XXXX Payment Status Collection/Charge Off Amount {$1500.00} Company Name : XXXX XXXX Attention Fraud Department XXXX XXXX XXXX XXXX company, XXXX XXXX on my credit report is a direct violation of the no surprises act. I don't know who they are, and I never received any type of notice of this account by way of mail nor email. It just appeared onto my credit report which is clearly a direct violation of the No Surprises Act and needs to be deleted 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023 Freedom Mortgage processed my mortgage payment. Rather posting the entire payment, they decreased the payment by {$50.00} and posted the remainder of the payment. They then posted the {$50.00} to escrow separately and charged a {$50.00} fee to my XXXX statement. Today I received a notice from Freedom Mortgage stating that I had not paid the entire regular monthly mortgage amount.

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 2023-06-11
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:
In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that Equifax, XXXX as well as XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly.

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 )
states that a Consumer Reporting Agency can not furnish an account without written instructions.

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate.

Lastly, they are not in compliance with Metro 2 Credit Reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
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:
The accounts that I am disputing are fraud accounts, they were due to identity theft/fraud. they do not belong to me an di did not authorize anyone to furnish this information especially FALSE INFORMATION AT THAT! Remove these asap! I will give you a chance to properly investigate before i reach out to XXXX XXXX XXXX XXXX  and my state atttorney general office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CAVALRY INVESTMENTS, LLC
State: DC
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:
CAVALRY Bank is still reporting on my XXXX credit account. 

I do not have any recent existing bank with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I receive my payroll from XXXX on a XXXX XXXX. On XXXX, my paycheck of approximately {$600.00} was deposited into my account and when I went to withdrawal the money to put into my personal bank account, it stated insufficient funds. I immediately contacted XXXX to notify them of what happened. They asked me several questions, such as how many cards were issued, answer 1, does anyone have access to my card, answer no, does anyone have my personal information, answer no, do I have the card in my possession, answer yes. XXXX said they would mailing me a Dispute form, which I was to complete and return. Before I could complete and return the form, I received a letter from XXXX denying my claim of {$580.00}. This is the 3rd time in the last year that this has happened to me and each time XXXX denies my claim and I have to file complaints against them.

I would cancel my card except my employer deposits my paychecks into this account. 
I believe that a XXXX  employee is taking my money because I had the only card issued and a XXXX employee would be able to get a duplicate card and would have access to my personal information. 

I need your assistance getting this money back. I only bring home {$1400.00} a month, so having {$580.00} taken from me is devistating. 

thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions.

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due

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 2023-11-15
Company: EQUIFAX, INC.
State: VA
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$8000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} {$4800.00} ; XXXX XXXX XXXX : {$8000.00} ; XXXX XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$410.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've formally requested XXXX XXXX to validate and verify the negative account they've reported on my personal credit profile, specifically asking for an acknowledged agreement and transaction history regarding the balance calculation. However, they've declined to furnish any documentation validating this account while still reporting this unverified debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
A SunTrust/Truist representative agreed that if my balance was paid in full they will not list my account as a Charge-off/Collections. However, after reviewing my credit report it is showing that I have a Charge-off/Collections from SunTrust/Truist. I spoke with a SunTrust rep months before making my full payment in XXXX of 2020 and they assured me if paid, it will not be listed as charged-off. However, after recently speaking with a rep from Truist and she informed me that the following month of XX/XX/2020, my account was labeled as a charge-off. I feel like I was lied to and mislead by the company. I have submitted a complaint with the XXXX. I also filed a complaint with the company to no avail. The only thing the company did was update my account. I also don't understand why they would list this as a charge-off if they received payment and it didn't go to collections. Please help me understand this.

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 2023-12-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have student loans XXXX with a school that has been closed due to student loan fraud in XXXX XXXX which is public record and Im a victim. 

The older XXXX student loans are over XXXX XXXX XXXX and still on my credit report These remaining loans are fraudulent as well. XXXX XXXX XXXX has a clause in their Ethics Code to give XXXX first choice in a review broad hearing. 
I was forced to retake classes I passed which cost more in loans and grants. 

Not given my rightful process to fight my case goes against their own policy Which voids my agreement with paying my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MN
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: In progress
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My XX/XX/XXXX statement closed and Discover offers 5 % cashback for spend on XXXX. I spent {$100.00} on XXXX but they only credited me {$4.00} shorting me {$0.00}. I tried to rectify with customer service twice but each time they would not adjust it. Its pretty simple math that 5 % of {$100.00} is {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received 2 Amex Gift Cards from my company for {$100.00} each. Neither of them will work at any online website ( I tried XXXX, XXXX, XXXX, XXXX, XXXX to name some ), and all were declined on XX/XX/. 
I verified on XXXX and confirmed the cards have been activated and only have a XXXX hold from XXXX. 
I have received Amex gift cards for years from my company and have always been able to use them online, however the last 2 I received both decline no matter the amount or website I try. 
I was on hold with customer service for over 3 hours ( XX/XX/ ) only to be disconnected when the CS agent answered. 
I found that many others are experiencing the same issue and think this needs to be resolved as I now have {$200.00} in money I can't use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: Porsche Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One Credit Card I applied for credit and was denied. 
I was told I could only obtain a secured credit card which I had to first deposit money onto. 
I was able to spend what I put on the card only. 
After ordering a replacement card somehow they are now saying it was credit instead of the secured card that I deposit money on. 

I asked for copies of transactions and I asked for a statement of the credit that was supposedly given to me. 
They provided the copy of transactions but not the initial credit agreement they say I was given. 
This was my first ever secure credit agreement. 
I was never given credit. I was originally denied. How could I obtain credit out of nowhere?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
As a member with chase bank I received my check from my job and I usually cash my check online with the online banking. However this time was different, when I cashed my check my account was placed on a hold until XX/XX/XXXX to release my money, I spoke to several representative from chase bank and Im still confused at this matter. My money was released to me on XX/XX/2023 ( Monday ) as the next day came I noticed chase removed my money out my account stating deposited back leaving my account again in a negative. Im beyond frustrated how chase can simply give me my funds and take them away. This is un-acceptable especially around the holidays I never experienced any matter in such and will definitely like answers and much useful ways how I can get my money I worked so hard for. I use the same Routine in cashing my check all the time but his time is completely different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: OH
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all information inaccurate with experian. this issue has been addressed multiple times. it needs to be corrected. please review an remove all listed items that needs to be corrected to help my file asap.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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