BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have ITEMS left that needed to be removed. This is my 5th complaint that I am a victim of identity theft and I submit to dispute these certain items in my file resulting from the crime. Per FCRA section 605 the Credit Bureaus are required to remove any items listed on an ID THEFT REPORT # XXXX. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. Please see the items for REMOVAL below : 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 TRANSUNION 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 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 2022-12-10
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2017-05-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called several times to  XXXX , Experian, and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX , Experian, and   XXXX   all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/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 2022-12-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase Bank Mortgage Department insisted ( loan applicant verbally and written expressed did not want ) on an accelerated appraisal charge and scheduling to loan applicant ao row mortgage lender could meet their month-end loan lending targets. This was despite the property not yet having gone through a scheduled inspection to determine if anything major needed repairs and the loan applicant wanting to withdraw his offer. Chase ended up charging the loan applicant {$500.00} for the unwanted and pre-mature appraisal. Upon request by the loan applicant to credit this charge and agreement by Chase, the {$500.00} was never credited back to the loan applicant. Additionally, the mortgage appraisal was never even shared with the loan applicant despite requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Signature Bank (NY)
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am an XXXX XXXX in the United StatesI was scammed by a phone call from a fake XXXX consulate in New York and tricked into transferring {$100000.00} to the scammers by having my chase bank account. I then transferred {$100000.00} from XXXX bank to the scammers ' Signature Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 someone claiming to me claimed fraud charges of normal monthly bills I pay. And my account got credit for these claims. There where three internal bank transfers from my account which the account number is XXXX to a XXXX XXXX XXXX in three different amounts one for XXXX, XXXX and XXXX. I saw these transfers and immediately messaged my bank they were fraudulent. The bank Navy Federal Credit Union didnt investigate the charges they claimed just credited my account XXXX dollars. When as I stated I make but one of the claimed charges monthly. The XXXXXXXX XXXX  charge was mine for {$450.00} as I needed two new tires. My car XXXX to XXXX XXXX, my loan payment of XXXX to XXXX XXXX, XXXX XXXX XXXX for XXXX and XXXXXXXX XXXX  for {$450.00} all charges that were claimed as fraud and my account credited for XXXX on XX/XX/XXXX. I immediately notified my bank who then didnt fix anything and told me that I am responsible I changed my direct deposit information as I get va benefits but they are not refunding my fraud charges as I have explained exhaustedly to the bank the va and the department of the treasury ( whom hung up on me ) that this account needed to be closed and no money on or out til the investigation is done. Because of Navy federals lack of initial fraud charges claimed I am negative XXXX as of today. So more money has been taken out. Since then. And havent notified the proper channels of said fraud by law or closed my account and will not credit my account the missing funds. Va benefits are also protected benefits and they refuse to send them to the new ach I have set up because of this incident. I am looking at not having a job anymore. Losing my car, house and other things because of this. And said that I wont receive anything. Until this investigation is over which could be up to 45 days when they should have initiated a investigation immediately upon me telling them to stop the unauthorized transfers from account to account. I dont know a XXXX XXXX XXXX Or how my information was gotten. And frankly I am being badged for bills to be paid when I cant even put gas in my vehicle to get to work. They have not been professional or have they even tried to fix this issue on any level. I have also attached several documents indicating my issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
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:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Received a text message on XX/XX/XXXX asking whether I attempted to purchase {$500.00} at XXXX XXXXXXXX  which I replied 'NO '. Got a text message back stating a new card will be sent out. I called them back stating my Mom 's credit card was stolen from her wallet along with my sister debit card. Not only {$500.00} from XXXX XXXX was charged to my account but {$2900.00} was charged from XXXX XXXX. I called about this fraudulent charges and was told they would note the account and investigate. I called them back after not hearing from them for 3 weeks. I was told they need to escalate and reopen the investigation for additional 10 -15 business days. I called them again pressing on the status since those charges were still in my account. Several days later, my Mom, a Chase XXXX and I were in a conference call detailing the theft incident. Several more weeks pass and was told by Chase those charges were valid and they will remain in my account. Huh?! What investigation and how did you come up with that decision? Of course, no reason was given and now it is up to ME to do all the investigation, provide documentation to prove my innocence. I had to ask my sister and my XXXX yr mother now to go to the police station to file a police report. A police report was filed on XX/XX/XXXX detailing the incident and now it is being investigated by the XXXX Police Dept in XXXX XXXX, NJ ( case # ; XXXX ). I had spoken with XXXX, XXXX, XXXX, XXXX, XXXX and XXXX from Chase. None of them would give their last name or provide a direct number to call, so everytime you call Chase, you need to tell the WHOLE story again even though it was escalated at least 3 times. So in the meantime, there are those 2 charges that are fraudulent in my account and Chase stipulating those charges were found to be valid according to their 'investigation '. They did not investigate ANYTHING besides the thief that stole the card made the purchase at those stores. No signature receipt, no photo/video survaillence or anything. It is now up to the Police Dept to go to those store and demand surveaillance to show our innocence. This is unbelievable and the incompetence to Chase is shameful. Basically, they accuse you being guilty until you are proven innocent, leave all the legwork to be done by you and claim they did their investigation to claim their findings without an explanation. This institution is incompetent to say the least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
XXXXXXXX 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 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 2022-12-10
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:
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. Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : 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 explanation
Consumer complaint received 2020-08-09
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I just need a new unemployment debit card

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 2022-07-12
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of identity theft several years ago I let a family member my brother to be exact whom lived with us years ago which I have no problem reporting due to what he did to me. He used my information and my Social Security number to open several credit cards in my name as well as other accounts such as XXXX and etc. I was able to dispute a lot of things off my credit report and had them removed but there are a few companies that will not remove them as they were saying that they are accurate the reasons why they say that they were accurate is that there were several payments made to these accounts because as he was opening them he was making payments for quite a while and then all of a sudden just stopped making these payments which is when I noticed it on my credit report and I had knew that he had used my information to create all of these different accounts as he finally admitted to me what he has done and later got disowned by family as he did the same to them. I need help in removing them from my credit report as I feel that it is very unfair for me to have to deal with all the horrendous stuff he has done to me using accounts that I never even used or ever had the current accounts that I have open have all been paid on time such as my student loans XXXX  XXXX my car finance and also a loan place called possible one that I pay all on time and theyre none on default Im really trying to get my life back after everything hes done to me and several other people of my family as well. I really dont have anyone else to turn to and I was referred to the Ftc by a friend saying that I should report it to you as well as go ahead and make a police report please let me know what to do from here its more than one account its actually several at least XXXX or XXXX to be exact the rest were removed please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX as a consumer, I filed a rental application with XXXX XXXX in XXXX Ga. The application fee of {$150.00} was paid in full. I never moved in the apartment. In XX/XX/XXXX a collections account appeared on my credit report from National Credit Systems representing XXXX XXXX. As a consumer, I was in the process of finalizing a mortgage loan and a career advancement opportunity with an executive search firm. Due to the gross negligence of National Credit Systems and XXXX Apartments, my immediate credit score plummeted in excess of 100 points in mid review. It irreparably damaged my relationship with the financial institution and caused professional embarrassment with the executive search firm. My credibility was assailed. 
I contacted National Credit Systems and asked them to remove the collections report due to the gross error on their part after providing them with proof of their error. They refused to remove the derogatory entry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to invest in XXXX account through XXXX, but every time I tried to do so its failed. I would like to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX, & XXXX XXXX BANK 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 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 EQUIOFAX CONTINUES TO REPORT THESE ILLEGAL LATE PAYMENTS I AM DEMANDING THESE LATE PAYMENTS REMOVED ASAP. MY NEXT STEP WILL BE THROUGH LITIGATION IN THE COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
compromised credit file 4th attempt. lic is on file with all 3 credit bureaus

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 2023-03-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
# 1. DEPT OF ED / XXXX Acct # XXXX # 2. DEPT OF ED / XXXX Acct # XXXX # 3. DEPT OF ED / XXXX Acct # XXXX # 4. DEPT OF ED / XXXX Acct # XXXX YOU ARE REPORTING THAT I AM 90 DAYS LATE FOR XX/XX/XXXX BUT YOU SHOW THAT I HAVE SUBMITTED ON TIME PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ... .HOW CAN I HAVE BOTH 90 DAYS LATE YET THE XXXX PRECEDING MONTHS ARE PAID ON TIME??? 

I can't believe the inaccurate reporting on my credit report! According to the credit bureaus, I'm 90 days late on my XX/XX/XXXX payment, even though I paid on time in the previous months of XXXX, XXXX, and XX/XX/XXXX. It's frustrating to see these errors, especially when they can have such a significant impact on my creditworthiness and financial future. 

It's not just me- a XXXX study by the Federal Trade Commission ( FTC ) found that one in five consumers had an error on at least one of their credit reports. That's outrageous! These errors can lead to higher interest rates, credit denials, and even affect my job prospects. 

There are several common types of errors that can occur on credit reports, including incorrect personal information, outdated account information, and inaccurate payment history. In my case, it's clear that there's an error in the payment history section of my report. 

I'm so frustrated that I have to deal with these errors. It's not fair that I have to spend my time and energy correcting someone else 's mistake. And even worse, the burden is on me to prove that I'm in the right. It shouldn't be this way! 
I know I need to take action and contact the credit bureau ( s ) to get these errors corrected. But it's just frustrating that I have to go through all of this trouble because of someone else 's mistake. It's not right, and it's not fair. I just hope that in the future, credit bureaus will be more careful and accurate in their reporting so that others don't have to go through the same frustration and hassle that I am.

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