BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: JPMORGAN CHASE & CO.
State: RI
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:
Identity theft. In XX/XX/2020, I received multiple letters from JP Morgan Chase Bank that accounts had been attempted to be opened ( fraudulently ) in my name but it was declined due to inability to verify identity ( correctly ). I called the Bank and informed them that yes indeed, I did not attempt to open any such account. Several weeks later I received two letters from JP Morgan Chase Bank that two accounts had been opened ( fraudulently ) in my name with my address, each funded with {$160.00} and very shortly overdrawn by {$120.00} and {$180.00}. I called again and was transferred to numerous departments and was given numerous explanations but no real help and no willingness to close the accounts. I did give them a great deal of information with promises to investigate but to no avail. I opened up account with identitytheft.gov, notified credit companies, and sent them letters. 
The accounts at JP Morgan Chase Bank are XXXX and XXXX. Why would they open accounts without verification and then allow over drafting within 4 days?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: NAVY FEDERAL CREDIT UNION
State: CO
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
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 Account number:XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to refinance my condo does not return phone calls takes three weeks to get paperwork. And took my money and you never hear from them again

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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: Account information incorrect

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 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,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: ME
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:
Another person named XXXX, has some of the same personal information as I do, and somehow our information is mixed up. I reported this to experian for the first time, almost 2 years ago. It appears that they have removed some of her delinquencies and accounts, from my report, however, ALL of this persons addresses she's ever lived at, and the cars she has owned or leased, are STILL on my report. Also a delinquent account!! I have ZERO delinquencies! All my accounts are current and active. I can't even access my own credit report! Or my true score! The security questions it asks me, are all based off of this other XXXX 's information. I can't even dispute it online! Experian just locked me out of my own stuff and they shouldn't have. They are doing nothing but making my life so very hard. I'm trying to buy a house and there's NO WAY I can do that when my erperian report is out of XXXX! Experian NEEDS TO FIX THIS ASAP! I have lost so many opportunities because of this mix up. They are non-responsive to my letters or my calls. I have had enough!! I want this person 's personal information off my report immediately! Please help me!

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 2022-04-04
Company: Carter-Young, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Since XXXX of XXXX, I have been receiving calls from a company in Georgia. Finally on XX/XX/XXXX, a voicemail was left by someone identifying themselves as XXXX XXXX from XXXX XXXX XXXX and asking me to contact them at the number provided. I did not know if this was a scam or not, but I returned the call and the company was closed. I received phone calls again from agents at XXXX XXXX XXXX XX/XX/XXXX and XXXX from a XXXX XXXX XXXX XXXX only asking me to contact them. I again tried calling back, but the company was closed. There is a 3 hour time difference and they frequently call in the afternoon! I spoke with an attorney who told me that if I do have a debt, the debt collector must provide the collection in writing and identify themselves and the fact that they are attempting to collect a debt in ANY form of communication they attempt with me, including voicemail. I never received a letter and the voicemails never identified that this company was trying to collect a debt. However, this company reported a debt that I had previously contested with a different debt collections agency ( who then dismissed the debt as inaccurate ) to all 3 credit bureaus! I was never given the written notice of debt and I was never given the chance to contest the debt! I have tried calling the agency twice, and have been treated with such disrespect that I finally hung up and decided to file this complaint because the agents dont bother to listen to what Im telling them, or they call me a liar. I have received a couple calls since then from the company, but no message was left either time! The representatives I spoke with were extremely rude and unprofessional and this company needs to follow the law by going through the appropriate motions of debt collection, starting with proper notification!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: NCB Management Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 I had submitted a complaint with the XXXX true bureau, the cfpb stating that this agency is attempting to collect on a debt that I do not owe with the account # : XXXX. In that complaint, I stated that I want this agency to cease all communications as described in the fair debt collection practices act unless it was for the purpose of responding to a cfpb complaint. Additionally I had mentioned that they have violated my consumer rights and wanted to be compensated for it. On XX/XX/2023 the company responded in which they of course denied that they have broken any consumer laws and that they would " honor '' my cease communications request. I have just caught this agency violating my consumer rights once again and it is here on the cfpb and I demand compensation. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium of which this company is using to communicate a debt as they furnished this information on the month afterwards and this month. This not only violates the fair debt collection practices act but it also violates the fair credit reporting act and my right to privacy as a consumer. I am humbly asking the cfpb to handle this situation or else I will be forced to litigate as I take my right to privacy and federal law very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-04-12
Company: SANTANDER HOLDINGS USA, 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:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT CRYSLER CAPITAL XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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:
Someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report! 

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my Experian, XXXX, and XXXX 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 2023-04-04
Company: Experian Information Solutions Inc.
State: LA
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:
privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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 recently reviewed a copy of my credit report and I was shocked. I have been a victim of Identity Theft and I have found numerous accounts on my credit report that were open up by me. This has been hurting me big time as now I am in process of buying a home and this is hurting me where me and my family can't with this fraudulent info sitting on my credit reports. Please remove the fraudulent accounts from my accounts as soon as possible, this is very urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against XXXX XXXX regarding an account ( Account # XXXX ) that has been inaccurately reported on my credit report, and it has been duplicated without proper verification. This issue is seriously affecting my credit score, and it has jeopardized my chances of securing a loan. I kindly request the immediate removal of this account from my credit report. 

XXXX XXXX has failed to provide adequate verification of the legitimacy and accuracy of this account. Additionally, the presence of duplicate entries further demonstrates a lack of proper due diligence in their reporting practices. 


The inaccurate and duplicated account entries have caused a significant and unwarranted negative impact on my credit score. This has not only damaged my creditworthiness but also hindered my ability to access necessary financial services, particularly my chances of securing a loan.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX has violated my rights XXXX OF ED/XXXX Account Number : XXXX has violated my rights DEPT OF EDXXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account XXXX : XXXX has violated my rights DEPT OF ED/XXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights 15 U.S.C 1681 Section 602A I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MS
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 : # XXXX, XXXX XXXX, # XXXX, XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
I NEED THESE ACCOUNTS TO BE REVIEWED AND DELETED I CAN NOT HAVE THEM ON MY REPORT BECAUSE SOME OF THESE ACCOUNTS HAVE LATE PAYMENTS WHEN I HAVE NEVER PAID LATE XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXXInquiry XXXX-Inquiry XXXX XXXX - Incorrect XXXX XXXX - Incorrect

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 2023-05-02
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
UMB refuses to close a Visa card that I want closed. I have gone through this with them over many years. A charge was run through from a company I charged a subscription on many years ago. I paid the charge and closed the card again. Now they are trying to charge me late fees and interest on a card that was supposed to closed. They can't close the card because of the late fees and interest, which were not supposed to be there to begin with. This is predatory lending. I can't get anywhere with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: Affirm Holdings, Inc
State: CA
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:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX My phone numbers XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached

Company response to consumer: Closed with explanation