BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: WA
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 account is showing on my 3 credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX to please provide proof of me giving then my signature for this Unsecured Loan. My request is for XXXX to delete this account one and for all from my credit report. XXXX # XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2021 Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : {$40000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$750.00}

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 2020-02-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
JPMORGAN CHASE CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received the ppp loan in my account XX/XX/2021, and Citibank froze my account. I was required to and 4 questions about my loan and which I did correctly. I also offered to send in documentation. I never heard anything back until I contacted them the following Wednesday. I had to call 5 times to get help. They then asked me to send in documents. They companies customers service is terrible. Why should my money be held when I already had to be verified three times to get it. They also dont allow you to speak with fraud department. A bank shouldnt be allowed to freeze someone account this long especially when the money is legit. I even gave them my sba loan number. This is a loan under my social and I have to pay it back, not my bank and I dont even have access to the money.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-04-28
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy Equifax XXXX has told me several times they would delete the inquiries on my account theat were done fraudulently and they have failed to follow through more than 6 times. 
According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: LEXISNEXIS
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis responded to my complaint on XX/XX/2022, and they stated that they sell public records in bulk to a variety of customers, including consumer reporting agencies, such as XXXX, XXXX, and XXXX. LexisNexis said that these bulk records are not consumer reports as defined under the FCRA, so I asked LexisNexis to show me where they read in the FCRA that these bulk records are not considered consumer reports, and till this very day, LexisNexis has failed to show me this information. 
I called LexisNexis on the phone asking them to show or tell me where I can see for myself in the FCRA where it states that the bulk records they sell to these consumer reporting agencies are not consumer reports, and they had me on the phone for almost an hour, and I had to tell them to just call me back when they figure it out, and they never where able to show or prove to me where they read that false statement they made. 
I informed LexisNexis that when they removed the bankruptcy from my LexisNexis report after my dispute, that they were admitting to the violation of the 15 U.S. code 1681b Permissible Purpose of Consumer Report. This law clearly states that the Consumer shall have consented orally in writing, or electronically to the procurement of the report by that person, in which I did not consent to. Under the FCRA remedy law, its states that for every violation, its {$100.00} to {$1000.00} and I am demanding the max for damages and the stress that LexisNexis has caused and continue to cause! 
This is my last time trying to work with LexisNexis outside of Court, if LexisNexis dont comply this time, I will be forced to file a Lawsuit with my Attorney, once again LexisNexis I have attached XXXX invoices for a XXXX dollars, XXXX for the violation when you sold my consumer report to XXXX and XXXX for when you sold my consumer report to XXXX XXXX if you dont comply I will start a lawsuit and it will be for more than what I am demanding for right now. 

XXXX XXXX, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : 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 2023-04-28
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXXXXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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/XXXX, my account was hacked through Bank of America 's XXXX product. 
the hacker got into my account added his name and quickly withdrew two amounts. : {$590.00} and {$900.00}. I have submitted the claim twice, provided the additional information that was requested and the bank still comes back with CLAIM DENIED. 

This is my money that someone hacked into their program and got my money, Need to know what I can do to get my money back. I am not that rich that i can throw away almost XXXX dollars. 

All the bank tellers can say is sorry.. you never get to talk to the upper level making the decision. Its very frustrating. They advertise that they will protect your money ... .but they don't and when something goes wrong they just turn their backs on you, the customer, and someone says sorry.

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 2019-10-07
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 2020-02-02
Company: Experian Information Solutions Inc.
State: PA
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One allowed XXXX XXXX lines to over charge my account even after I immediately notified them of the circumstance. XXXX keeps sending them a list of trumped up charges due to a faulty sail and sign card. This is not a small amount, it was to the tune of over XXXX in one day/night. I told XXXX immediately that these were not my charges. The charges shown are not correct. The only evidence is video surveillance and Capital One will not ask for and XXXX will not provide. I have told Capital One this is fraud on my account. They even allowed them to go over my credit limit by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach 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 2020-02-02
Company: CITIBANK, N.A.
State: CA
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:
I was rejected for a credit card with Citibank on XX/XX/20 the following statement : " the credit privileges on your existing accounts are currently restricted. '' As I understand the FCRA, companies are required to provide a reason for denial of credit. This so-called reason provides NO useful information as to what about my credit score or credit history caused me to be rejected, nor anything regarding what needs to be changed in order to qualify for the card. It also sounds most ominous as regards the continued use of my existing cards. I've had no prior rejections, have three cards currently active with them, each of which I auto-pay in full on time, and I've used cards from them for several decades. Up until that notice, there has been no indication of any difficulty with my accounts. 

I called Citi to seek clarification and, despite over an hour on the phone on multiple calls, received no further information, just getting ping-ponged between different customer service reps who could either tell me nothing or merely parrot the useless phrase above. I reported this problem in my response to an emailed survey from Citi, and I left a note about it in their online Chat, but I have received no response to either of those as well.

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