BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is violating the Fair Credit Reporting Act by not removing fraudulent items from my credit report. The following items are as follows : XXXX XXXX XXXX, Balance : {$21000.00} and XXXX XXXX, Balance : {$14000.00}. I have filed a dispute with XXXX and they have yet to block the fraudulent items from my credit file and is violating the FCRA. Please have these items removed immediately, due to identity-theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts 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 accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Submitted payment at XXXX of the month. 
Due date at XXXX. ( Starts interest ) Payment posted at XXXX. 
*not a late payment just time thats subject to interest Got charger about XXXX XXXX of interest for 1 day XXXXXXXX XXXX  This happened several months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
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 DISPUTED WITH 3 BUREUAS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXX  XX/XX/2022, XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX, XXXX XXXX XXXXXX/XX/2022 I DO NOT RECOGNIZE THESE INQUIRES. THE 3 BUREUAS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2019-08-06
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt is from XXXX It is out of statute the Rep tried to coerce me to pay it, although it is 6 years ago then they lied to me about who owns this debt They are reporting this debt as of XXXX, but they lied and told me this is being correctly reported. 
I want this debt reported correctly as of XXXX It is seriously harming my credit please see the attached statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: IL
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 recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE XXXX INQUIRIES ON MY CREDIT REPORTS THAT ARE UNAUTHORIZED. SOME ARE BELOW. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, PLUS MANY MORE.

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 2023-05-03
Company: JPMORGAN CHASE & CO.
State: MN
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:
Remove 30 day late payment from my JPMCB credit file. 

My credit score has decreased from XXXX to XXXX as a result of JPMCB/Amazon 's unwillingness to contact me regarding a {$16.00} charge that put my account over 30 days past due without notifying me of an impending issue. 

Synopsis : My wife 's Amazon XXXX account used her XXXX XXXX card as the primary payment method for purchases and my Amazon Visa from JP Morgan Chase Bank, JPMCB, as a secondary payment method. 

In XX/XX/2023 my wife temporarily lost her XXXX XXXX card at an XXXX XXXX TX area XXXX. It was returned to the Customer Service desk, but we later discovered unauthorized charges. She reported this to XXXX and they canceled her card. XXXX reissued a new card with a new number. This new number was not immediately transferred over to Amazon. 

On XX/XX/2023, there was a {$16.00} charge to her Amazon account that was declined by XXXX XXXX. Amazon immediately charged the JPMCB card account We were away from home for a total of five months and did not receive USPS mail, only email, text messages, phone calls, and USPS images of mail going into our XXXX XXXX back home. 

I was not notified that {$16.00} had been charged to my JPMCB card account and there was no additional communication that the account was past due over 30 days. JPMCB and/or Amazon has my contact information and could have contacted me electronically. The written letters sent by JPMCB, and imaged by the USPS, which I received electronically via email, did not have any indications on the return address that they were from JPMCB. If I saw JPMCB on the image, I would have contacted JPMCB for clarification. 

My first indication that there was an issue with the JPMCB account was when I received an alert from XXXXXXXX XXXX credit monitoring service. I immediately contacted JPMCB and made a payment in full, including additional charges/fees. 

I asked JPMCB to consider the circumstances but they declined to offer relief with credit reporting resulting in the drastic credit score decline. In fact, JPMCB incorrectly entered the following in my credit file : **CONSUMER STATEMENT** DUE TO CHANGE OF ADDRESS I NEVER RECEIVED A BILL/STATEMENT. 

I have filed the following dispute with XXXX : VISA - Amazon primary payment method : card lost/canceled ; {$16.00} declined JPMCB - secondary ; {$16.00} charged Away from home 5 months ; no email/phone call from JPMCB/Amazon Notified delinquent by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXXXXXX XXXX  XXXX XXXX Balance : {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Convergent Resources, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 2020-02-14
Company: JPMORGAN CHASE & CO.
State: MI
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:
I made a call to XXXX XXXX XXXX XXXX to cancel a trip. Back in mid XXXX ( on or around the XXXX ) I called to complain about a time share stay I had and they had tricked me into believing I was getting a free " courtesy trip '' for my trouble. 
After scheduling the trip they informed me this was going to be a sales pitch and not at a resort but a stay at a hotel and " any adult with me had to attend this presentation ''. 
I called about two weeks later and attempted to cancel this trip with them and was told I was two days too late to do so. 

I took the next step to call XXXX Chase Card Services to put this in dispute. The CS Representative advised me they would not put it in dispute via verbal complaint and I had to send it to the Executive office in writing with my documentation. I did this on XX/XX/XXXX. The Executive office had me fax it to another location as she stated this was a XXXX XXXX XXXX XXXX  issue and is handled elsewhere. She also advised it would take at least 30 days to get a response from XXXX. I followed her direction. 
I waited and after two months called to follow up as I had received nothing in writing. I finally received a confirmation letter in XXXX, Meanwhile Chase billed me several late fees and an Annual Renewal fee in XXXX. There collections dept. began calling saying I was incurring late fees and I needed to pay them. They also stated they had nothing in their system that a dispute was active. At that time I also had no correspondence that my complaint was in dispute status, I did not pay them this fee. I did not trust they would not turn around and put it toward the charges I was disputing and determine the rest had to be paid. I had advised them of this during their and my phone calls. I called the Chase directly and spoke with XXXX on XX/XX/XXXX after one of the above calls was received by me. He assured me he would handle it and gave me a case number XXXX I never received a final determination in writing from them and called them about the late fees that were charged to my account. They reversed the during that call on XX/XX/XXXX. They told me I had a XXXX balance for annual fees for XXXX. I paid that via phone and then the Rep told me the card was closed. This month XX/XX/XXXX I received a bill for XXXX. I called them and they said they reversed fees twice in error and this was the balance due. This has been a complete and total run around I have gotten from XXXX Chase Cardservices. I do not recommend them. One of my biggest concerns is that I have great credit and they put this on my credit report as a non payment issue vs disputed charges. In addition to charging a XXXX annual fee for a card they closed, none of this was put in writing as a final decision on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 explanation
Consumer complaint received 2023-02-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was pre-approved in the store for an Ulta card. I received a letter within two weeks saying I did not qualify for the card and never received a card. I just received a letter informing me due to lack of inactivity on the card my account is closed. I shouldn't have an credit card account if I didn't qualify for said card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting act XXXX Account 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 CAPITAL ONE- XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00} and XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax in the past explaining that the information on this identity theft report was not done by me & I don't know who did. I have never gotten any merchandise from them or nothing that they were selling. Please delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.

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 2022-10-29
Company: EQUIFAX, INC.
State: MA
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 have violated my federally protected consumers right to privacy and confidentiality u see 15 USC 1681. 

Account name : XXXX : # XXXX, Acount name : XXXX XXXX XXXX  : # XXXX  account name : XXXX XXXX  # XXXX, account name : XXXX # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 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 if information, other then records of convictions of crimes which antedates the report by more then 7 years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX Created a False account and even stated i still owe XXXX dollars on XX/XX/1922 my credit score was XXXX and on XXXX XXXX till today is XXXX due to this false report sent and exepted by Equifax. I also provided them with settlment agreement with both accounts with XXXX signed by a XXXX in XXXX XXXX. They claimed they did a investigation and this info is accurate. This Is XXXX XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
WESTLAKE FINANCIAL SVC opened XX/XX/2021 ... has reported to my XXXX  that i missed payment but the car dealership took the car back the first month..and payed it off i never had the car more than 30 days.i dont why it reported that i missed a payment that is inaccurate.but not on XXXX and 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 2021-07-26
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
Around 2013 several bank accounts and credit cards were opened under my name at XXXX XXXX  without my knowledge. When I became aware of this I contacted the bank and explained the situation and was told the issue would be resolved on their end. Now on my credit history the fraudulent credit cards are still showing under my name along with late payments from this fraudulent activity.

Company response to consumer: Closed with explanation