BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: HI
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:
I sent Certified mail letters. XXXX is being lazy and not doing their job. Under the FCRA, the burden of proof lies on XXXX, XXXX, Equifax you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, Equifax, XXXX CEOs as last resort before I Sue them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2023-08-13
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
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 this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any purpose

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 2023-04-24
Company: PENTAGON FEDERAL CREDIT UNION
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:
Account showed 2 payments late so I contacted Pen Fed Credit Union and disputed the charges and late fees as fraud. I received a letter in XX/XX/XXXX. 2023 stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My XXXX showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.

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 2021-10-11
Company: JPMORGAN CHASE & CO.
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A move was coordinated with XXXX XXXX XXXX XXXX XXXX  ( XXXX, MN ). The company didn't complete the move and I was reimbursed my credit charges by Chase ( XX/XX/XXXX ). After the company sent Chase fraudulent paperwork and an incomplete itemized, they then returned the charges back to my account and stated 'we can't control what the vendor does ' in XX/XX/XXXX even though they had returned the charged. They even received photos of items stored in other states due to the company not completing the hired move, unloading at the wrong location, and being completely inappropriate with my undergarments ( there's even a police report which Chase was aware of ) and the moving company claimed 'it must be one another load ' yet charged for a private one. I went into the XXXX XXXX XXXX location ( XX/XX/XXXX, XXXX ) and they refused to give me my paperwork ( over 6 months of stringing me along to file new information which was able to produce each time ) and stated 'this would be a needle in a haystack then recommended I sue them knowing an attorney would cost about the same as the XXXX owed form in complete services and any item that did arrive was damaged ; my bike even intentionally so. Chase then told me to stop interacting with company as 'they 'd make it right '. They have not and then used 'COVID ' as the excuse for not being able to meet anyone in person. I then went to a XXXX XXXX location and XXXX told me 'you look depressed ' and called customer service whom said they couldn't except my paperwork due to the evidence being 'photos ' yet they were happy to accept fraudulent paperwork from XXXX XXXX XXXX  XXXX XXXX to return the charges to my card which I explained at the XXXX location XXXX XXXX and XXXX. They then told me it was out of my hands and demand I need to make the trip to them again to resolve it. I've stopped there three times. XXXX then handed out my private phone number against my permission and refuses to coordinate check owed or provide the many, many documents Chase has received over the past year so I can file warranted civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: SYNCHRONY FINANCIAL
State: FL
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:
XX/XX/2021 I called PayPal credit number XXXX XXXX XXXX XXXX Customer service rep ask for all my personal information name address social security number which I gave stating it a a process to speed up processing time after I realized what happened It wasn't PayPal customer service How do I prevent any XXXX XXXX Thanks 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 2019-10-17
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XX/XX/XXXX we ordered food at 1 or 3 in the morning from XXXX XXXX I mean from XXXX XXXX a local place in XXXX XXXX XXXX to XXXX two minutes later the amount of XXXX dollars and XXXX cents another mount for XXXX dollars and XXXX cents and then another amount for {$0.00} all three of them States ATM withdrawal is no way possible you can even injure all withdrawal does large amounts out of ATM anywhere that I know of even in South Carolina so with that being said they know we didn't use the money that's it it's a lot of fry going around they promised us three emergency expense diet call confirmation numbers they would expedite the process due to the circumstances they told us to send in the dispute form being that it didn't get here in a timely fashion we created our own dispute form with a case number on it all the information times dates and everything still yet have yet to hear from the XXXX XXXX each time I call they won't go online for 3 hours waiting my sister has no food she just got a tooth pulled she can't even feel prescriptions also her rent is due date charging her late fees we went into the local social security office is nothing they can do she has a mental health appointment this week she has a copay she has to pick up other XXXX   medications and whatnot they still will not comply it's been since the third for the first dispute form I send in my own cover sheet and everything they said they received the emails the investigator will Contact we no one ever called back at please tell me what to do cuz the XXXX XXXX is not doing their job is disgusting is sick and I told them my sister make XXXX did they told me to go to the local social security office and see what they can do I don't know what else to do a promise this emergency transactions are emergency funds because they said it's going around some company from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they know that we didn't use the one that all we order the food came to a total of {$20.00} we still have the card in our presence they sent out another car and told us three times the funds would be on the card you receive the card the new one in the funds are there please contact us asap please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This has been going on since 2007 and is currently going on now. This has been going on for over 14 years. I owed a debt for a XXXX  XXXX XXXX XXXX that I VOLUNTARILY TURNED BACK INTO HONDA. HONDA FINANCE THEN turned it over to XXXX XXXX XXXX. These people have harrassed me on my mother 's phone which she passed away from XXXX XXXX. They have repeatedly sent letters. Recently, some lady called me and read me all of my information including my whole SS # and also told me she worked for law enforcement and that they are suing me in the county in which I live in GA. She was very RUDE, OBNOXIOUS, BELLIGERENT TO ME, CUSSING ME OUT, CALLING ME A LIAR, THREATENING ME AND THEN SHE STARTED YELLING AT ME AND HUNG UP IN MY FACE. I HAVE SINCE BLOCKED EVERY NUMBER I CAN THAT I KNOW IS HER WHEN I HEAR HER VOICE. I asked her several times to stop talking to me like she is crazy and she tells me that she is taking out a warrant on me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I thought my TransUnion report was frozen after I applied for a car loan but clearly not. Someone tried to apply for an XXXX credit card which was not me. I filed a police report in the past due to stolen identity. Called TransUnion, locked my report and asked them to remove inquiry. Not sure if she understood as she didnt speak good XXXX. 
Waiting for a new credit report but want inquiry removed

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 2023-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am reaching out to yall, because I have sent out dispute letters Informing the credit bureau Equifax of the inaccurate information being reported. I have updated all of my personal Information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In mid 2019 I became aware that XXXX XXXX  was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. XXXX XXXX is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.

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 2018-08-02
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2018 I disputed an account reported by COI in the file you maintain under my Social Security number. 

I was informed in XX/XX/2018 that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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/XXXX I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.

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 2020-01-28
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A XXXX quick payment on XX/XX/2020 was made through hacking my JP Morgan Chase checking account. The amount of {$1100.00} was transferred to a recipient s email of whom I do not know and is not listed on my XXXX contacts. I reported the incident immediately to Chase fraud department and made a fraud complaint. 
I than closed my bank account at my Chase branch on XX/XX/2020 as soon as the transaction went through. Took my computer to XXXX XXXX XXXX XXXX to scan for the hacks and viruses of which there were a few, and added a program to wipe these unauthorized dealings out and a anti viruses software was installed and activated XXXX on XX/XX/20. 
I changed my email and all passwords on computer and bank accounts for future on line banking, and Chase Quick Pay. I THEN FILED A POLICE REPORT FOR FRAUD AND STOLLEN MONIES, AS WELL. 
On XX/XX/20 Chase updated my claim, and is refusing to take responsibility for XXXX Quick Pay, a service they provide, and will not reimburse me my {$1100.00}. This is a not acceptable as I am a Chase private client and it is my money that was taken from my Chase account and given to whomever without my consent! 
XXXX has no customer service nor person to complain to or answer to this problem. They refer all calls for customer service to your Bank of choice. No one is taking responsibility. Please Help. Thank You.

Company response to consumer: Closed with monetary relief