BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX/XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

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 2022-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
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:
I'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed, XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. ( Equifax XXXX and XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: CO
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:
Previously, I had made someone make a claim on my behalf to the CFPB COMPLAINT ID XXXX. The person that submitted the claim on my behalf did not provide accurate information. The information to the following complaint, from what I recently just saw after the company made a final conclusion, the previous information provided by the creditor should not be used in this next investigation that Im about to open up. 

I, XXXX XXXX, applied for a Chase Freedom student card on XX/XX/2022. I went in branch and did this. My main issue did not start until XX/XX/2022 where I started getting fraud charges on both my debit and credit card. I had to keep re-opening new accounts and had to keep getting new replacement cards for my freedom account. Charge after charge I kept disputing and got tired of this. As to my knowledge I kept paying down this balance. Until Ive noticed more charges on my credit card since then I have received late payments on my credit report because I do not feel obligated that I have to pay on this card any longer as the charges on my card were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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:
In accordance with the Fair Credit Reporting act 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 an 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 2023-05-11
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX Credit AEEI XX/XX/XXXX Bloom XXXX XX/XX/XXXX XXXX XXXX Fianc XXXX XXXX XXXX XXXX XX/XX/XXXX Discover Financial XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX American Credit ACCE XX/XX/XXXX XXXX Bank DE XX/XX/XXXX XXXX Bank DE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX
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:
First of all I would like to address a few issues here. Previously there was a dispute submitted for fraudulent charges on this First United Bank Checking for a XXXX Later I worked with that merchant after XXXX it to obtain the funds back from the fraudulent charges. First United Bank closed the dispute and told me no error occurred. When truly an error did occur. Secondly there was other fraudulent charges which required a dispute for a XXXX XXXX XXXX, XXXX XXXX. These were properly disputed as fraudulent transactions. At that time I worked for First United Bank. There motto is spending life wisely. I was fired from the company for filing these disputes. There were two other disputes filed which I cancelled. Which I showed proof I cancelled. This was done through online banking. They then proceed to advise me thats against their business policy to file disputes on transactions not valid on a checking account and terminated me. The following day I emailed in to make sure the disputes were cancelled. First United bank then proceeds to cancel ALL disputes including the fraudulent charges which then made my account have a negative balance of over {$6200.00} and then expected me to pay that back. When I wrote back in to ask why this was charged this way I was told they cancelled all disputes ( including the fraud ) and that I owed that back. Then they charged off my account. No where in their policy does it say you can not file a dispute on your own checking account as an employee. I do not feel I was fairly terminated. I do not feel I owe {$6200.00} either. The bank does a lot of shady things, they grant access full access to their it department to employee accounts / payroll and even lending. They discriminate against people who are victims of Identity theft and mismanage accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After several rounds of disputes with ChexSystems about this address there has not been any real investigation. I gave them a contact number to the Apartment community that they are supposedly representing on my report. The address that you are reporting is invalid as well as incomplete and can not truly be verified. To the least, the address has not been authenticated as per my requirement as you are falsely reporting inaccurate information on my report. I challenged ChexSystems to verify in their re-investigation an address that is not a valid United States Postal Service address according to the rules of the FCRA regarding re-investigations. ( COPIED FROM AFFIDAVIT ).

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 2023-06-21
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: Account information incorrect

Complaint:
My XXXX XXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( 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 2021-12-09
Company: EQUIFAX, INC.
State: AL
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:
The following accounts where disputed on XX/XX/2021 and I didn't have resolution. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  The Bureaus XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
EXPERIAN REPORT NUMBER : Report Number : XXXX I'M VERY DISAPPOINTED ON HOW Search Results Web Result with Site Links Experian HANDLED MY REPORT IVE SUBMITTED OVER 7 DISPUTE THRU PHONE CALLS AND ONLINE AND EXPERIAN FAILED TO SOLVED THIS ISSUE EXPERIAN EVEN WROTE ME BACK SAYING I WASN'T THE ONE FILING THIS COMPLAINT WHICH IS NOT TRUE I DON'T EVEN THINK EXPERIAN EVEN READ MY FIRST COMPLAINT I EVEN READ OTHER PEOPLE FEEDBACK 'S THAT HAVE THE SIMILAR PROBLEMS EXPERIAN LEFT THE SAME EXACT RESPONSE AS THE ONE THEY LEFT ME I THINK THE CFPB SHOULD INVESTIGATE THIS MATTER 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX FAX : XXXX XXXX : XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT ; PLEASE XXXX XXXX PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXXXXXX Once again this is not a request to investigate, but to update. So I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have reached out several times with people who has been calling me about my student loans. I'm unable to get help. I've been told they mailed out paperwork to help me! But I've never received the paperwork. This was months ago and supposedly it has been mailed several times, still not receiving paperwork. I'm unemployed and have no income. I can't seem to get help with payments or any type of adjustment or help. They just want a payment that I don't have. They even asked me if I have a family member who can give me the money. Really! This is not my family 's fault or problem. They state that I need a payment to catch the account up than they can find a program that fits my needs. I'm lost here and Don't know what to do. I guess if I can't make a payment than I can't get any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I started attending XXXX XXXX XXXX I dont remember the exact month but what I do know is that my last day was XX/XX/XXXX and I never went back to that gym so I dont think I should have been charged when I wasnt going and I have proof it says I owe {$380.00} Im not understanding how and why should I be paying this if I wasnt attending this gym since XX/XX/2023. I should only be paying what I owed since then

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX, operated by synchrony bank, sends payment confirmations to their users, then their system rejects the attempted payment and they did not properly inform me that they attempted payment did not go through. Then when you call them about the issue, their agents lie to you about removing inaccurate charges on your account.

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 2022-04-21
Company: Experian Information Solutions 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 following have violated my rights : XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2023-05-09
Company: EQUIFAX, INC.
State: OH
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:
PLEASE REMOVE THESE FRAUDULENT HARD INQIRIES : 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 explanation
Consumer complaint received 2023-06-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation