BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company 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 2021-04-20
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting debt from XXXX bank without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: AZ
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 very stressed out. I can not believe that I became a victim of Identity theft. I have some inquires that are not mine. I do not know why I have them in my credit report. Its crazy I can not live like this because these items are killing my report. These inquires violates my rights. Please promise me that you will deal with this situation and finally remove from my profile. 

Please check these fraud inquires : XXXX XXXX - XX/XX/2020 XXXX XXXX - XX/XX/2020 XXXX  - XX/XX/2020 XXXX XXXX XXXX  - XX/XX/2020 I am attaching my ID

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: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX  - I booked a round trip flight from XXXX to XXXX XXXX through Chase Travel Program with United Airlines, costing {$1400.00}. Trip ID : XXXX XX/XX/2023 - I received an e-mail saying that there was a delay for my flight. I logged onto the United Airlines website and there was an option on website saying that I can book a new flight at no extra cost. So I clicked on it. It then showed me my new booking but said there was an issue and to contact my agency. I contacted Chase travel and they helped me reserved a new flight from XXXX to XXXX XXXX. ( Same Trip ID ) Day of my flight : XX/XX/2023 - I got to the airport at XXXX XXXX  to catch my flight. The self check-in machine wasn't giving me a ticket and told me to contact help desk. I spent the next 3 hours juggling between Chase Travel and United Airlines trying to fix the issue.

United Airlines said that there was a reservation but no ticket and that XXXX XXXX XXXX needed to give them control of the ticket. 
There was only 15 minutes left before my flight departs and the issue was still not resolved, so I let my girlfriend fly to XXXX first and promised to meet her there the same day. 
I told the Chase representative that I needed to get to XXXX today, the Chase representative told me to book another flight via United Airline website and to keep all the receipts for a reimbursement. I did so but it costed me an extra {$3700.00}. 
After my trip to XXXX, I came back to the US, and contacted Chase Travels. They did an investigation and told me that XXXX XXXX XXXX was willing to reimburse me the price of the original flight ( {$1400.00} ) but not the price of the new ticket. 

I told Chase that I can't have that. They were willing to settle the case by giving me XXXX points but that wasn't what I wanted. I just wanted the reimbursement of the new ticket ( {$3700.00} ). 
I contacted United Airlines, All XXXX XXXX and Chase Travel, but none of them will claim fault and reimburse me for the extra cost. 

Chase 's carelessness costed me my flight to XXXX with my girlfriend and arriving at a precise time on that day which caused me to miss multiple reservations that I had in XXXX. 
All I want is for Chase to take responsibility for this mishap and reimburse me my new flight price.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have a XXXX XXXX on my account that Im not aware of account number is # 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 2022-12-09
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that XXXX is reporting with ( 2 ) 30 days past due, Equifax ( 1 ) 30 days past due and XXXX XXXX ( 1 ) 30 past due. I mailed the CEO of XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of 2022 I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: IN
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:
n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2017-05-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Several years ago I requested a Chase  XXXX   XXXX  Credit Card  XXXX  I thought we would be travelling on  XXXX  and liked some of the incentives offered. I received the card, and never used it. The travel on  XXXX  was decided against so I used other cards. I believe the annual fee of {$95.00} was waived the first year. I paid it the second with the intention of cancelling the card. I let it go, and on  XXXX   XXXX ,   XXXX   was assessed the {$95.00} fee. I carry no balance on this card so I do n't check it as regularly as I should, but when I did check,  XXXX   XXXX ,   XXXX  , I spoke with a customer service representative who told me she would refund the {$95.00}. I asked her to close the account and thought I was done with the  XXXX  card. I checked again yesterday. My account was closed, with the {$95.00} annual fee still there, as well as a {$15.00} late fee and {$1.00} in interest. I called customer service and was told it was impossible to waive the annual fee, but now I am being charged for a service that I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone applied for credit at Bank of America. This was not me I do not bank with BoA. 

I have called many times trying to get this fixed and each person says its not their department and transfer me and it never ends. Last person said to reach out to the credit bureau to get this fixed. 

Please help and stop that application and remove the ding to my credit

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 2021-06-15
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint relates to Paypal account " XXXX ''. The name on the account should be XXXX XXXX but is incorrectly listed as XXXX XXXX. 

I initiated a transfer of {$1400.00} from Paypal to my checking account. It completed XX/XX/2021 - my checking balance went up and my Paypal balance went down. See attached bank statement. 

On XX/XX/2021, Paypal took {$1400.00} out of my checking account and did NOT put the {$1400.00} in my Paypal account. They simply took the money. There was no valid reason for Paypal to move the money. I did not instruct them to take {$1400.00} from my checking account. I did not authorize them to take {$1400.00} from my checking account. Yet they did. They stole my {$1400.00}. It never reappeared in my checking account nor my Paypal account. 

Paypal is a NIGHTMARE to deal with. There is no phone number to call and they are unresponsive to messages sent to them through their system. I know from a complaint I filed with the Illinois Attorney General that they claim that they never actually received {$1400.00} from the bank on XX/XX/2021 ( or any subsequent date ). They claim that they asked the bank for {$1400.00} but the bank did not comply. 

Paypal 's claim that the bank did not comply is contrary to the information shown in my checking account statement. 

When Paypal claimed that the bank had not transmitted the {$1400.00} to Paypal, I complained to the bank. I have attached the bank 's response. They state that a transfer to Paypal did complete on XX/XX/2021 and they provide an ACH trace # of XXXX. 

Paypal is incompetent and should be shut down or CLOSELY regulated. They play fast and loose with facts and the rules. I have spent over four hours attempting to correct these idiots ' blunders. I am tired of it. 

Also, I have repeatedly attempted to correct the name on my paypal account. The account name on my non-business account is supposed to be XXXX XXXX. But due to a mixup with shipping address, it is XXXX XXXX. I have repeatedly ( at least 5 times ) requested name change and provided the following documents : Social Security Card, Driver 's License, Utility Bill. Yet the XXXX at Paypal have failed to correct the account name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my credit report it is showing the wrong name, and the wrong addresses on the report. 
I dont have numbers in my name and i also only have one address.

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 2023-04-18
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/18 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 explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: GA
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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 AM A VICTIM OF IDENTITYT THEFT. I HAVE BEEN A VICTIM OF SEVERAL DATA BREACHES WHERE MY INFORMATION WAS COMPROMISED.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : DEPTEDXXXX # 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We got a VISA Gift card from a friend/relative issued by Vanilla Gift card company, purchased from a store. The gift card had numbers that were scratched off or illegible on the front of the card and the CVV code at the back was also completely invisible. Looks like this card was a defective card. 
Since the card number itself was partially not readable, we called Vanilla Gift card company to get a replacement card. However, after taking all the information including a 11-digit number on the back of the card, expiry date of the card, my name, address and birth date ( not sure why they needed my birth date ), they assigned a case number and gave an email address and asked me to provide pictures of the front and back of the card ( which was fine ), but also asked for a copy of the receipt. This is where the problem arose. We were trying to use the card after about a month, and didn't even remember who gave that particular gift card, leave alone trying to get a copy of the receipt. 
This is the second time we got a card like this in less than a year. Based on what we have received in the past, we expect this gift card to contain at least {$50.00} and possibly more. 
There are a lot of complaints like this on the web. Looks like this is a pattern employed by Vanilla gift card company where they issue defective cards and state as a policy that they need a copy of the receipt which is not retained or passed along with the gift to the recipient. The net result is the gift card company might be netting a lot of money in unclaimed funds. 
We request CFPB to assist us and many others like me to help resolve this matter with the company and enable us to claim the funds that rightfully belong to us. 
Other details of the case : The 11-diigit number on the back of the card is : XXXX ; The underlined code below the barcode on the back of the card is : XXXX. The case number assigned by Vanilla gift card 's customer support was : XXXX i am not sure if they closed the case without any resolution.

Company response to consumer: Closed with explanation